Does Home Insurance Cover A Leaking Roof? 
This really depends on the cause of the leaky roof . If you file the claim with the insurer , they will send out an adjuster to assess the cause of the roof . If the leak is deemed to be caused by an event covered by your policy then the insurer will cover the leak . If the adjuster determines that the leak is caused by an event not covered by your policy -LRB- neglect/deferred maintenance being the most common example -RRB- than the insurer will not pay to fix the roof . 