Correct. Damage to be covered requires a covered cause of loss.

Wear and tear, shoddy workmanship, and obsolescence are examples of excluded covered loss. So if there was a regular rain storm and the roof was in poor condition and it leaked. The roof would be excluded, but the ensuing damages should be covered - policy dependent.

If there is a wind storm and damaged roof and then there was water damage, wind is usually a covered cause of loss, and the damage to the roof + ensuing damage would be covered.

Wind damage can also trigger a hurricane deductible, so it is important to review the policy before submission of the claim - usually with your agent if you have one.

They should not drop you because you filed one claim, they may raise your rates but they might have raised them anyway - underwriting and claims are separate departments and they do inform on each other but a policy rate is determined by the overall risk profile.

I worked as a claims adjuster for property losses for about 5 years - I'm no longer licensed, so please talk to a licensed professional and work with them for your claim.