Plain-English meaning
Physical change that affects appearance but may not impair function; policies may define or restrict it differently.
Why it matters
Roof and metal-surface endorsements can exclude or limit damage classified as cosmetic.
Where you may see it
Wind and hail endorsements, roof schedules, exclusions, and adjuster reports.
What to verify
Definition, affected materials, functional-damage test, settlement method, and appeal or documentation process.
Do not confuse it with
Wear and tear, which is gradual deterioration rather than damage from a covered event.
For policy-specific meaning, read the definition and related provision in the issued policy.