Does Homeowners Insurance Cover Leaky Roofs? 
There are circumstances where Homeowners Insurance may cover the damage caused by water leakage through a roof . It is best to check with your Insurance Professional , of course , about the specific terms and conditions of your policy . If the roof is compromised or damaged by a covered peril , say a severe windstorm for example , then if rain water leaks in and damages the interior of your home , you will probably have coverage . Likewise , and as was the case again this past winter in CT , if you have interior water damage that is caused by `` Ice damming '' which is a sever build up of ice forming at the lower edge of your roof , that then forces melted water up under your roofing material , there will also be coverage . These are only two examples , so again talk to your Insurance Professional . 