Yes, homeowners insurance typically covers roof damage caused by specific perils, such as fire, vandalism, or falling objects. However, coverage for roof damage due to wear and tear or lack of maintenance may be limited. It's important to review your policy to understand the specific coverage and any exclusions related to roof damage. Additionally, the age and condition of the roof may impact coverage eligibility. Some insurance policies may require regular roof maintenance to maintain coverage eligibility. It's advisable to consult with your insurance provider to clarify the details of your coverage and any potential limitations. Ensuring that you have adequate coverage for roof damage can help protect your property and provide peace of mind in the event of unexpected damage.