Does Renters Insurance Cover Roof Leaks? 
The correct answer here is `` it depends '' . Normally any water that enters from the outside will not trigger coverage . If the roof just plain leaked , then the building owner is responsible for any losses that happen . They have a duty to maintain their property . Their failure to maintain their property makes them responsible for any damage caused by the leaky roof . If , however , the roof leaked as a direct result of damage from a storm , it may be covered . The key words here are `` sudden and accidental '' . A leaky roof certainly is n't sudden , it 's a maintenance issue . My advice would be to contact the building owner and tell them what was damaged . I do n't know how your lease is written , but they are responsible for upkeep of the building . Therefore they should be responsible for any damage to your stuff if it was damaged because of the roof . They may not agree easily . 