Will Homeowners Insurance Cover Water Damage From A Roof Leak? 
I agree with what Keith has said above . As long as you follow the conditions of the policy , and thewater damage to the home occured at the same time as the roof damage you should be covered . As long as whatever caused the damage in the first place is a covered cause of loss.The conditions of the policy will state that the insurance company does not have to provide coverage under the policy if you have failed to comply with the duties responsible by you , an `` insured '' seeking coverage , or a respresentative of either . A helpful acronym explaining your duties is PINES . Protect the property from further loss Inventory the damaged property Notify the carrier or agent Exhibit the property to an adjuster Submit a sworn proof of loss . So if the cause of loss is covered and you followed the conditions , yes you should have coverage in place . Have a great day and good luck with your claim . Best , Josh DeBoer 918-582-8206 