Does homeowners cover a leaking roof after a storm?

Answer 1

It's going to depend on what's causing the leak. If it's a maintenance issue that's causing it, like you just need a new roof, then in most cases NO, your homeowners won't cover it. But, if the storm blew off some shingles that is causing your leak, then in most cases Yes, it would be a covered loss subject to your deductible.

The cause of loss will need to be determined. Usually an adjuster will come out and survey the damage to determine if it's a covered loss or not.. Usually you would want to get an estimate first to see if it's even worth entering a claim.

If you have a $500 deductible, and the loss is only $300, then obviously you wouldn't enter a claim on your policy. Because when you enter a claim, your premium will increase.