Hi guys,

My premiums would be lowered a little bit if I signed this "Cosmetic Damage Exclusion to Roof Coverings caused by hail" endorsement. My Spidey sense tells me there is a bit more to it than just the "we won't change the roof if the shingles are bruised or made ugly by a hailstorm" business. Am I right to hesitate? Can anyone shed more light on this?

Thanks in advance!