Agent, Rural Mutual Insurance Co., Union Grove, WI
If the leaky roof was caused by a covered peril then it may be covered under your home owners policy. Every policy and company is different. It is recommended that you read your policy completely to know what is covered and what is excluded or call your local agent and have them explain what is covered and what is excluded within your policy.
This really depends on the cause of the leaky roof. If you file the claim with the insurer, they will send out an adjuster to assess the cause of the roof.
If the leak is deemed to be caused by an event covered by your policy then the insurer will cover the leak. If the adjuster determines that the leak is caused by an event not covered by your policy (neglect/deferred maintenance being the most common example) than the insurer will not pay to fix the roof.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
It is always best to talk to your Insurance Professional about the specific terms and conditions of your policy. In general, a Homeowners policy will help you with damage that is caused by a "covered peril" as they are listed in your policy documents. There may be situations where the water damage to your interior walls but the repair of your roof may not be included. In general, Insurance does not pay for damage that is an ultimate result of wear and tear or neglect so it is always a good idea to look over your property as each season changes to see if anything needs attention.
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If the leak is deemed to be caused by an event covered by your policy then the insurer will cover the leak. If the adjuster determines that the leak is caused by an event not covered by your policy (neglect/deferred maintenance being the most common example) than the insurer will not pay to fix the roof.