Homeowner's insurance policies typically cover emergency roof repairs caused by covered perils, such as storms, hail, fire, or falling objects. However, coverage specifics vary based on your policy. It's crucial to review your insurance policy to understand your coverage limits, deductibles, and exclusions. Contact your insurance company promptly after a roofing emergency to report the damage and initiate the claims process. Document the damage with photos and videos, provide any relevant receipts for past repairs, and cooperate with the insurance adjuster.