Most homeowners insurance policies will cover the cost to repair or replace your roof if the damage stems from fire or sudden acts of God and nature (i.e. natural disasters) like severe storms, high winds, and penetrating hail.
If the damage caused to the roof stems from wind or hail or fire, homeowners insurance will likely cover the cost for the repair or replacement of the roof. If, however, the damage to the roof is simply due to natural deterioration (i.e. natural wear & tear) or neglect (e.g. a leak should have been repaired but wasn’t) then homeowners insurance will likely be exempt from reimbursing the homeowner for any damages.
Before you file a claim with your insurance company, find a roofing contractor you trust to come and perform a roof inspection to assess the damage to your roof and evaluate whether it will be covered by your homeowners policy.
(If you’ve already filed an insurance claim, reach out to a roofing contractor who can advise you on the best way to move your claim forward.)