You discover a brown stain spreading across the bedroom ceiling after a storm. A roofer climbs onto the house, finds damaged shingles and tells you the roof may need substantial work. The obvious question is whether homeowners insurance will pay for it. The answer usually depends less on the fact that your roof is leaking than on why it started leaking. If wind tears shingles from a sound roof and rain enters through the damaged area, that can be a covered homeowners claim. If a 25-year-old roof has simply worn out and finally begins letting water through, insurance will usually More…