Thanks for the quick reply! That helped me a lot, I will contact Met Office to gather the evidence however I'm not too sure about the legal expense cover, I will need to double check. Thanks again!

Hello all, I need some advice, please. I've been renting a property since August 2006 and always been a good tenant, never asked for anything from the landlord, paying rent on time and always looking after the house. Just before Christmas, Monday afternoon, 23rd December 2013, the car was parked on the driveway as always and suddenly I heard a big bang from the outside. When I went to inspect what had happened I noticed the big ridge roof tile was on the ground and my car damaged. The roof of the car was dented, windscreen smashed and the bonnet was also damaged. I rang the agency, explained the situation and I was advised to repair the car, give them the bill and I will receive my money back. I rang a windscreen company and they came, examined the car and said that they cant replace the windscreen because the roof is too damaged. I emailed the agency, explained what I've been told, attached images of the car and the roof tile. I got an email back which stated this: "Your Landlord has spoken with his Insurance company who have informed him that the cost of the repair to your car is down to you unless you can prove negligence on the Landlords part. You will need to contact your car insurance company and report the incident to them and then it will be down to them to prove negligence for them to claim the monies back" In the meantime I contacted my insurance company, called in the claim, my car has been taken away, assed and I received a courtesy car. The repair of the car came to a total of £1600 which exceeds the value of the car, which results in the car being written off. Now I am faced with two options, withdraw the claim, keep the car and try to repair it or buy a new and I cannot afford to do either or I can go through with the claim, receive the value of the car minus the excess cost of £300 and lose my no claim discount bonus which is valuable to me as soon my son will be starting his driving soon. The ridge tile came off to easily, the wind wasn't that strong to take down the tile. In the seven years I have lived in the property not once the landlord sent someone to make sure the roof is in a stable condition. Yet he denies fault and so do his insurers. What can I do in this situation, should I contact a lawyer? Any help is appreciated Thanks, johnnympl