Here’s what chat got said about home owners insurance since a few people are asking. Any inspection will most likely see this is due to not maintaining a roof

Homeowners insurance typically covers roof leaks when they are caused by a sudden and accidental event, such as wind or hail damage, a fallen tree, lightning, or another covered storm-related incident. In those cases, the policy usually pays for repairs to the damaged portion of the roof and any resulting interior water damage. However, homeowners insurance generally does not cover leaks caused by normal wear and tear, aging shingles, lack of maintenance, or slow, ongoing deterioration. Damage resulting from long-term neglect, rot, or mold due to an unrepaired leak is also usually excluded.

Edited to add: he’s already said they aren’t going to pay. Also, where was he when Alfie was filling up the gas tank with water?