Does Homeowners Insurance Cover Leaks In A Ceiling? 
Homeowners Insurance policies generally do cover ceiling leaks ; however , one must be cautious on this topic . Primarily , we must discover the cause of loss and make sure that the cause of loss is one of the covered perils on the policy . We must be certain that there were no exclusions on the policy -LRB- i.e. Roof Leaking Exclusion -RRB- . In few situations , a carrier may be willing to insure a home knowing that the roof is not in good condition , it has been known for few carriers to accept a roof exclusion and in this case , the policy would not cover leaks as a result of the known and exluded condition . If the loss is covered , items that will affect the payout of the claim would be Depreciation -LRB- if the policy is not a replacement cost policy -RRB- and the selected Deductible which will be deducted from the final payout ! For information on a homeowners policy , please review the following : WEBSITELINK 