FEMA and your insurance provider have their own policies to determine whether damage done to the roof is eligible for assistance or not. In the meantime, the best thing you can do is to apply a protective roof coating over your roof like EPDM Liquid Rubber considered one of the best in the roof coating class. Liquid Rubber is the best insurance cover you could have for your roof.
It should cover your roof for accidental damage, it will not cover a new roof if it needs replacing due to age.
Depends on what damaged the roof. They almost always cover it. Call them. If they say they don't cover it, then ask where it says that in their policy.
In most states, homeowner's insurance does not cover water damage from a leaky roof. Water damage is generally covered under a separate policy called flood insurance.
They would cover it if the damage occured during the policy period. The damage would have to be sudden and accidental damage, not wear and tear.
NO, Homeowners insurance does not cover automobiles.
Damage from animals is not a covered cause.
Most policies do not cover rodent damages.
No, that's normal expected wear and tear for any roof.
No, renters insurance is coverage specific to property that belongs to the named insured.If it's a rental property then the property owners insurance would cover storm damage to the roof. If it's just worn out then that would be an owners maintenance issue.
You make the claim as soon as possible within reason after the roof damage occurs. If your roof was already damaged prior to purchasing the policy. it will not cover pre-existing damage.
It should but you need to specify which insurance you have.
Your roof is covered by your insurance because the damage was caused a natural disaster, which was unpreventable. If your roof had damage due to anything other than an unpreventable act, the insurance would not cover it.