The question really depends on the specific insurance policy. Every insurance policy is slightly different, so it’s always important to look at the specific exclusions and coverages in the policy. Most homeowners insurance policies are what’s called an all risk policy, which means that everything is covered unless it’s specifically excluded. There are some specific things relative to roofs in terms of the insurance policy. For example, if a tree falls on your roof that’s sudden and accidental, that’s generally going to be covered. If you have a roof leak there are certain other exclusions that may come into play. For example, your insurance company may not cover the damage to the interior unless you have a hole or an opening in the roof, and it’s not uncommon for an insurance company to come out and inspect the roof that’s perhaps 10 or 15 years old and claim that there’s some sort of wear and tear or faulty maintenance to the roof and deny it on that basis. It’s important to never accept the insurance company’s ultimate conclusion. You want to consult professional, a roofer, potentially a contractor. If you have any questions about your specific coverages or exclusions. You may want to consult an attorney who has experience in insurance law.