I've heard the same that insurance wont cover most leaks as they consider them an overlooked maintenance issue, however to my surprise, a friend of mine had severe water intrusion from his roof that caused the back wall of his 5r to delaminate the fiberglass and rot all the wood structure holding the back panel together to the tune of 13K to repair. His insurance, Farmers, has approved his claim, and it's being repaired at this time. This was an elderly couple that had never caulked their roof on a 2012 unit, so the damage was definitely caused by neglecting to maintain the caulking, yet his adjuster never even questioned the claim. Never assume !