The landlord doesn't know I have a roommate, or he would charge us more rent. The roommate only has liability on his car. The dent is pretty big. It is from a tree on the landlords property, I think. He said I should call the landlord and say he just stopped by (when the branch fell) & see if his homeowners insurance covers it, but he would have to pay a deductible. What should I do? I have renters insurance but I am pretty sure it only covers things inside, not the property since I don't own it. I didn't know my rommate was moving in with 3 cars when we agreed on him moving in, (he's planning to sell one or two, I guess). Before the branch fell he saw the trees were dead & unstable and still parked under there, we talked about it. What do you think?
Additional Details
Well, it is obvious the trees are dead, we even talked about it with the landlord once. He is being negligent by not getting rid of the trees. My fiance even removes trees FOR A LIVING and offered a good price to remove them and he still hasn't done anything about it. It is kinda his fault for not doing anything, he knew the trees were right above the driveway and they are falling apart. My fiance is not going to do the work for free or without permission.