Their policy includes endorsement AVP313, titled “Metal Roof Surfaces Cosmetic Damage Exclusion Endorsement,” which excludes “Cosmetic damage caused by hail to the surface of a metal roof, including but not limited to, indentations, dents, distortions, scratches, or marks that change the appearance of a metal roof.” Because the Wiegels’ roofing system was and is concrete tile, not metal, they argue the cosmetic-versus-functional distinction shouldn’t apply. By limiting coverage to “shattered tiles,” the lawsuit alleges, Allstate improperly narrowed what the policy covers.