Roof damage is one of the most common homeowners insurance claims. What is covered by your policy and what isn't?
Generally, it depends on the source of the damage. Most insurance companies provide coverage for sudden and unexpected occurrences like the following:
Roof damage that is the result of wear and tear or lack of maintenance is not usually covered by your policy. You're expected to take care of periodic roof maintenance to prevent damage from occurring over time.
For example, the seal around flashing should be maintained. If the seal is compromised, it can cause your roof to leak and create significant damage over time.
A number of other factors like the age of a roof impacts the extent of your policy's coverage, so work with your insurance agent to clearly understand how your policy handles roof damage.