Standard homeowners insurance typically covers interior water damage caused by a leaking roof, but only under specific circumstances. If the roof leak was caused by a covered sudden peril—such as severe wind tearing off shingles during a violent thunderstorm or a hailstorm punching a hole through your roofing materials—your policy will usually pay to repair both the roof and the resulting interior water damage to your ceilings, drywall, insulation, and flooring. Conversely, if the roof leak is determined to be the result of long-term wear and tear, neglected maintenance, or an aging roof that was never repaired, the insurance company will likely deny coverage for both the roof and the interior water damage. Additionally, if you notice a leak and fail to take reasonable steps to mitigate further damage, insurers may deny coverage for the subsequent worsening destruction.
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