Insurance coverage depends on the policy, deductible, cause of loss, and adjuster findings. In general, homeowners insurance is more likely to respond to sudden and accidental damage than to normal aging or maintenance issues.
Storm damage should be documented clearly
Wind, hail, fallen limbs, direct impact, fire, and sudden storm-created leaks may need a professional inspection. Long-term leaks, old shingles, clogged gutter damage, and preventable wear are usually handled differently.
RGR does not decide coverage and does not act as the adjuster. The value of the inspection is a clear record: visible damage, photos, repair concerns, and a scope that helps the homeowner understand the next step.