Covered by insurance ?

During a storm , ridge tiles fall from your neighbour's house , landing on your car , smashing the windscreen and doing damage to the body/paintwork . Who is to blame and who pays for repairs ?
Last Saturday morning I went out into the carport to load up my car for hedgelaying , to find the windscreen shattered and other damage . Parts of my neighbour's ridge tiles were still on the car , parts teetering on the smashed carport roof and the rest splattered across the carport floor having

skidded down the side and over the bonnet of the car . I didn't make it to hedgelaying .
I waited till a reasonable hour , then knocked on my neighbour's door and told her what had happened , showing her the damage to the car and the missing ridge tiles from her roof . She then went back in to ring her insurance company , whilst I started ringing for a replacement windscreen , without any joy and was told I would have to wait till Monday before they would get it in stock .
Later in the day my neighbour came out to tell me that her insurance company had told her that they were not liable for any damage to my car , but they would pay to have new ridge tiles put back up on her roof , and that I would have to claim on my car insurance , on which I opted for a £400 excess at renewal to keep the premium down , and also meaning higher premiums in the future for making the claim . After getting the new windscreen fitted on Monday morning , with a £60 excess , I went to my insurer's preferred bodyshop to get an estimate for the repairs . Verbally , I was told it would be in the region of £900 but it would be sent to my insurer . A chat with the claims dept. confirmed that my neighbour's insurers were not liable for the damage to my car , unless I , not them , could prove neglect/non maintenance on her roof . As it happens , the ridge on the other side of the roof came off in the winds about 6/8 weeks ago , but no repairs have been done , and in between times I advised her to have the rest of the ridge tiles checked over when the repairs were being done .
Overnight I started thinking about what level of damage would my insurer decide to write off my 12 year old vehicle with 133,000 miles on the clock , so this morning I got back to them and was told that the company policy was to write off all 10 year + vehicles involved in claims , and if that happened , I would get £400 less because of the excess . I look after my vehicle , a 4x4 which means I can drive over fields whilst hedgelaying , and do not want it written off , meaning that I would have to withdraw my claim and put the whole thing down to 'life' or 'an act of god', and my neighbour and her insurers get away scot free , don't you just love this insurance con , you are required by law to insure your car , but what has happened to third party cover ? and was it an 'act of god' that killed the lady taxi driver in London and who will compensate her family ?
I spent today stripping the car port roof and replacing the busted sheets , down to me as well as my Home insurance has a £100 excess , and I spent less than that buying the sheets .
An incident that opened my eyes , and might be worth remembering for the future , and the remaining ridge tiles still haven't been looked at , they were all put on at the same time .
On a brighter note , Spring was in the air in the garden in the sun this weekend , with a pair of

RRParakeets getting very up close , the male on the right with the collar , females and juvenile not so , and we have been getting regular visits from up to three House Sparrows , shot taken through

double glazing , wonder if they will use the communal boxes this year ?