Does home insurance cover roof leaks?
General points on storm damage versus wear and tear. Always check your own policy.
Storm damage vs wear and tear
Many policies cover sudden damage from a storm but not gradual deterioration. Every policy is different, so check yours or speak to your insurer.
Helping your claim
Photograph the damage, note the date and weather, and stop further damage where it's safe to do so. A roofer's written report and photos can support a claim.