Hindsight's a wonderful thing. What an utter a**se I really feel for you there. Sod's law it hits yours and nobody elses car on the street. If your insurance doesn't cover, isn't it something you could hang fire on and claim in Jan (some big scrote was jumping on my roof, i chased him but couldn't catch him - type of thing?). Annoys me when you actually do pay insurance and the times you need it you're conveniently not covered for certain events!
Hope it all sorts out for you. We've not got enough snow to flatten a yoghurt pot here so no need for me to worry... yet!