A: Homeowners insurance may cover a roof leak if it is caused by a covered peril. … In those cases, your homeowners policy may help pay to repair the roof leak (unless your policy has a wind or hail exclusion). However, homeowners insurance generally does not cover damage resulting from lack of maintenance or wear and tear.
How to Handle an Insurance Claim for Hail Damage on Your Roof (Step-by-Step Guide)
File hail damage claims promptly, document thoroughly, and understand your policy; choose a reputable contractor and consider appealing if denied to ensure successful and quality repairs.