If the leak is caused by a covered peril like a storm, it may be covered. However, damage from wear and tear or neglect is typically not covered.

Homeowners insurance typically covers sudden and accidental roof leaks caused by things like wind or hail. However, it generally does not cover damage resulting from neglect or lack of maintenance.

If a windstorm tears off some shingles, your homeowners insurance would cover the repair. However, if the shingles were damaged due to poor maintenance, the claim might be denied.

Regularly inspect and maintain your roof to prevent leaks. Proper maintenance can help avoid coverage issues and keep your premiums lower.