I am a first time home buyer. A single mom working for Wells Fargo. I purchased my home about 6 months ago.

My bedroom ceiling collapsed. The roof of my house leaks. I paid to have this house inspected before I could purchase it. I paid for homeowners insurance. My payments are current. My insurance company tells me they won't pay to repair the leak in the roof that caused damage but they will pay for the damage the leak caused. What kind of non sense is this? Do I need an attorney?