It depends on the cause, and the cause is the whole answer. Sudden storm damage, wind that lifts or removes shingles, hail that fractures mats, and a tree through the roof are the covered kind, subject to your deductible and to whether your policy pays replacement cost (RCV) or depreciated actual cash value (ACV). Age, wear, granule loss over time, and leaks from a roof at end of life are maintenance and are not covered anywhere. Document storm damage with dated photos before tarping or repair, and file under the storm date.
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