Bill Layne Insurance 📞 (336) 835-1993 Home > Blog > NC Insurance > Roof Leak Coverage Does NC home insurance cover roof leaks caused by old age or wear and tear? 🛡️ NC Licensed Agency • Last Updated: May 15, 2026 BL By Bill Layne Owner, Bill Layne Insurance (Elkin, NC) The Short Answer No. Standard North Carolina home insurance policies (HO-3) do not cover roof leaks caused solely by old age, wear and tear, or lack of maintenance. Insurance is designed to cover "sudden and accidental" damage from perils like wind, hail, or falling trees, not t...