Advise & Consult, Inc. Case: Cannon Falls Area Schools, ISD 252 v. The Hanover American Insurance Company (8th Cir. July 27, 2026) Core Issue: Interpretation of policy endorsements excluding “cosmetic damage” caused by hail to standing-seam metal roofs. Key Takeaways Background & Lower Court Ruling Following an April 2022 hailstorm, Cannon Falls Area Schools sustained… Continue reading Eighth Circuit Reinterprets “Cosmetic Damage Exclusion” in Property Insurance Claims