In addition to damage caused to a roof, the subsequent damages may result by water intrusion going into the building and causing damage. Another issue that comes up with the additional damage is the possibility of a mold infestation in the building as a result of water damage that is not addressed quickly.
When your insurance company wrote the policy, it may have included an endorsement that restricts coverage for the roof to specific, named causes of loss. Your policy may also be endorsed to contain language that precludes specific types of roof damage from being covered. If your insurance company determines that the occurrence fell outside of these specific causes, or that the damage was of a type that they determine is not covered, it will deny coverage for your claim and leave you with the task of making repairs without the resources to properly make them.
If mold is involved, there is the additional issue of dealing with the mold contamination and the need to perform a proper remediation when your insurance policy has provisions that preclude or limit coverage if there is mold damage. Again, if your insurance company denies or limits coverage for the damage due to mold, you will not have the resources to properly remediate the damage caused by the mold.
Should the loss be covered, your insurance company will settle the loss without taking into account the quality of the materials damaged and will base the settlement amount on the lowest quality materials. This results in a claim payout that is inadequate for making the needed repairs to the building.