Yes, roof repairs are covered by homeowners insurance  if the damage is not caused intentionally (be sure to check what’s included with your policy). With signs of roof storm damage caused by natural calamities, your insurance provider may also check the roof’s life and the costs of repairs. In case the costs are lower than your deductibles, your insurance claim may be rejected. This is why it is always best to have a roofer come out and inspect and explain the options based on the inspection. Example, if its minor damage and the roof repair cost does not reach your deductible, we will not advise you to file a claim as that will go against you and we do not want that for you.