Sorry to hear that, that's rough man; a heart sinking moment

& as you say, another expense you just don't need

Reminds me of a mate on here a few years ago, Mty will probably remember him, 'Whatdaluck'. The name was coined after his poor Cupra had a surprising amount of expensive incidents. Firstly, a weighty pedestrian walked out in front of the moving car on a main road & his bulk fkd up the entire bonnet, leaving a super sized dent. Then because he'd swerved to avoid him, his alloy also hit the curb & damaged the wheel badly. The travesty was that he was left having to protest his innocence & foot the bill as the pedestrian was 'the victim'. Then when he came back to retrieve the car, the council or cops had haphazardly sprayed yellow paint around the curb & the wheel & some bodywork.
Sadly he got through that & a few other moments, then like you, one night a rough UK storm hit & the neighbours wall fell over onto the car & that was the end of his pride & joy. It was sh8 luck.