Since you seem to worried about paying for it, I really don't see how it could hurt to call your insurance company to just ask if they will cover it. I know how you feel, I am one of those who does not want to ever file a claim but that is why you have it. I may be wrong but just because your roof is old isn't a reason for them to deny your claim. In Fl. there were people with 30 year old roofs that were terrible and they were covered. Maybe that was FEMA but I think insurance would cover you.
We do have some insurance agents or former agents on this forum so maybe one of those could chime in. In any event, what harm would it do to just call. I hope you get help. I feel sorry the happened to you.
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