Does My Homeowners Insurance Cover Roof Leaks? 
There are two parts to this question . Your homeowners policy will cover damage caused by a roof leak if it is the result of a named peril . You should read your policy or consult with your agent to determine if there is coverage . Frequently there is . The second part is the roof itself . If the roof leaked as a result of a named peril it could be a valid claim , however , many insurance companies do not replace a roof , rather they pay the actual cash value of the roof . That is the depreciated value of the roof . 