Amen to the last comment. The purpose of homeowner's insurance is to cover things such as hail, wind, fire, theft, etc. It's purpose is not to cover things caused by a homeowner neglecting to maintain his or her property. If the cause of the leak was due to hail or wind...then you have a case.
Does anybody else find it funny that a lot of people making these complaints claim to have been in the insurance business? However, anybody who has actually had any experience in the property and casualty side of the insurance business can quickly see right through that little white lie.