Will your homeowners ins cover ceiling damage from rain?

Answer 1

It depends on what caused the leak.

If your leak was caused by a covered peril on your policy such as Hail wind fire etc, then your homeowners insurance would cover the cost of a repair and the repair of internal damage resulting from the leak.

If the leak is resultant of aged material or normal wear and tear such as an old roof that has outlived the life of the material, then that is a maintenance issue and ceiling damage will continue to occur every time it rains. Your insurance company would probably fix your ceiling but not until after you replace the aged roof.