3 weeks ago I was innocently sleeping in bed when high winds caused a tree to land on the roof of my car causing this damage... The car is a 2007/57 Honda Civic Type-S diesel and the panoramic roof is cracked in two places and split the whole length of the glass and as you can see the roof/pillar dented. I was instructed by 3 different people at my insurance company that the car would be written off as any damage to the pillars/roof are a total loss, I doubled checked this with them as I told them I couldn't afford the excess just after Christmas to which they all said don't worry about it as it would be a total loss and the excess would be deducted from the payout. I asked them about purchasing another car to use and if I should do so in case I get this car back and they all told me that it would be a total loss. I then went out and bought a cheap run around to get me back and forth. I had to tax it and insure it etc . Yesterday I then heard from the engineer. He told me that the car is borderline total loss. He then asked me how much I payed for the car and when. Once I told him how much it was and when I bought it he then went on to tell me that the car would be repaired. Leaving me having to pay the excess of £550. This has now left me £550 down for the excess , £800 for the replacement car (as no courtesy car) , £99 for tax on the replacement car and two cars in my name. My insurance company have left me with 3 options... Option 1: Pay the £550 excess and have the car repaired. Option 2: Have the car back with the damage and it will have cost me nothing (apart from being advised to purchase another car) Or option 3: Sell the car to them for salvage price. I was lead to believe that the car would have been a write off and now its not. Has anyone been in a situation like this? And/Or Does the car look like a write of with the damage caused and am I intitled to a 2nd engineers report? Thanks.