Homeowner insurance policies typically cover damages caused by a leaky roof, depending on the specific policy and the cause of the leak. If the leak is due to a covered peril, such as a storm or a tree falling on the roof, then the damages will likely be covered. However, if the leak is due to a lack of maintenance or an excludable peril, such as ice dams or normal wear and tear, then it may not be covered. It is important to review your policy and consult with your insurance agent to understand your coverage and any potential exclusions.