Your homeowner's insurance does cover roof damage, but not under all circumstances. When you discover minor damage to your roof, get familiar with the home insurance claims process to best understand whether your insurer will pay for the repair and whether filing a claim is worth the effort. When insurers determine whether to cover roof damage, the determining factor is not the amount of damage to the roof. Any amount of damage should be covered if you have a valid claim. If the repair exceeds your deductible, determine if the amount you receive from the claim is worth the resulting premium increase. You may want to fix the damage yourself.