Will Homeowners Insurance Cover Roof Damage? 
It depends on your policy , your perils -LRB- cause of the loss -RRB- and if your policy is in effect at the time of the loss . I know that sounds like a bland insurance answer but you first need to know if the policy is active , if it is then what actually causes the damage . Then you have to know or have an agent that can explain to you it it is a covered loss and if not explain why in thier opinion . Agents do not make decisions on claims that is up to the adjusters and the company but they should know what policy they wrote for you . Most agents will refer you to claims so they can have an adjuster come and take a look but depending on the type of claim it could have rate ramifications for you down the road . The issue is maintenance the home owner could or should have done or is it a loss your policy covers . For example if I have rotten decking under the shingles in most cases that is a maintenance issue and would not be covered even on the best policies , but a hailstorm damaging my homewould be . I recommend calling your agent to speak with them about your concerns and if they try to jump you to claims quickly stand firm and have them answer your question . If you do not have an agent or agency you trust find one and get a review of your policies to pake sure they meet your needs . 