In 2013 The American Association of Insurance Services created a cosmetic damage exclusion to home owners policies. It makes home insurance rates more affordable by eliminating cosmetic damage as a loss under the policy. This gives home owners the option of fixing and paying for cosmetic-only wind and hail damage if they incur that kind of loss. Even with the exclusion, if the damage impacts the safety or structural functionality of the home the insurance policy will kick in. By adding this exclusion for cosmetic damage, agents estimate home owners could save anywhere from $100 to $200 or more.