The short answer
A roof leak alone does not establish coverage. The cause, policy terms, deductible and damage all matter. Policies typically distinguish sudden covered damage, such as wind or hail, from maintenance and deterioration. Ask your insurer how your policy applies. Before agreeing to work, discuss the repair scope and any costs you will be responsible for.
Source: Maryland Insurance Administration ↗
Prepare for the conversation
Have your policy, the date you discovered the damage, photos taken from a safe location and any existing reports ready. Ask what documentation your insurer needs.