definition of functional damage to a car
Yes, I agree that Haag's term functional damage is not in the policy and for that reason I am not a fan of it either. i dont use it. But, Haag's definition of functional damage is a good one.....loss of water shedding capabilities or reduction in long term usefulness. That makes sense.....either the roof leaks or it aint gonna last as long as it would have otherwise. If you clearly have either of those, you have damage.