Your homeowners insurance policy ñ unless explicitly stated otherwise ñ will cover roof leaks if the leak was caused by a covered peril.
Covered perils can include damage caused by things such as:
ï Hail and windstorms
ï Falling objects
ï Excess weight from snow, sleet, or ice
Repair of a roof leak may also be covered by your insurance policy if the damage is sudden and accidental
, though the definition of this may vary depending on your policy.
The answer is the same for the question ìwill homeowners insurance pay for a new roof?î ñ if the roof damage is caused by a covered peril, or by a sudden accidental event, then your homeowners insurance will most likely cover the necessary costs.