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It just depends on why you have a roof leak.

If your roof was damaged by a covered peril such as fire lightning etc. Then your Homeowners insurance would cover the damage.

If your roof is old and worn out, it just needs to be replaced and would not be covered by your homeowners insurance. Roofs require the home owners maintenance and upkeep along with replacement every 20 years or so. It's just part of the cost of owning a home. Failure to engage in expected normal maintenance of your home can be interpreted as a moral hazard and can result in cancellation of your homes insurance policy.

If your roof is fairly new and you just have a leak with no visible damage, then it is most likely the result of faulty workmanship and again, not covered by your home insurance policy.

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The coverage of an HSA home warranty varies. Some of the items one can expect it to cover include central air conditioning and heating systems, plumbing, and roof leaks.


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