The insurance carrier has agreed to make payment for the stucco to be redone due to hail damage. However due to an exclusion for cosmetic damages to the metal roofing the insurer has stated that they will not pay to replace the roof.
As seen in the photos the stucco runs underneath the metal eave trim of the metal roofing. There would not be any way to complete the work to the stucco without removal of the metal eave trim. The bottom edges of the metal roofing crimps down and under the metal eave trim making it impossible to remove the eave trim without damaging the metal roofing.
Does the insurance carrier owe to replace the metal roofing to allow access to complete the covered stucco repairs?