For what it's worth....
Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim. If the leak was caused by wear-and-tear, your insurance will not cover it.
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Due to a problem with the sun roof my car has got drenched. It’s been sitting for a while; during this time the inside has become a science experiment.
Does comprehensive insurance cover interior damage from water?
TIA for insights