Home insurance policies typically cover damages to a home's roof caused by certain events, such as wind, hail, and lightning. However, coverage for roof leaks can vary depending on the specific policy and the cause of the leak. For example, a policy may cover damages caused by a sudden and accidental roof leak but not cover damages resulting from a poorly maintained roof. It's important to carefully review your home insurance policy to understand what is and is not covered. You should contact your insurance agent or company to discuss your specific policy.