Does Homeowners Insurance Cover Ceiling Leaks? 
A homeowners policy covers damages caused by a named peril -LRB- i.e. fire . -RRB- Deterioration is rarely covered under a homeowners policy . The roof is a piece of the residence that is treated differently when it comes to a claim . Most companies do not replace a roof ; rather they pay for the actual cash value of the roof , or the depreciated value . If the roofing is the problem and it is not the result of a storm or something breaking it , then coverage isnt likely . 