You have homeowners insurance to protect your home and, yes, your roof if there’s ever a problem. However, homeowners insurance won’t cover your roof just because it’s leaking.
For insurance to cover roof damage, it must be caused by an extreme weather event. This includes straight- lined winds (aka damaging winds) during heavy thunderstorms, hail storms, snowstorms, and tornados.
It should also cover roof damage from fallen tree limbs caused during storms or strong wind. Depending on the type of policy you have, homeowners insurance should cover a roof replacement if it’s damaged from any of the above events.
Just know your insurance adjuster and the insurance company have the final say if your claim actually gets approved or not. But as long as the damage is caused by extreme weather, your homeowner’s insurance should cover the expense.