I have been renting a place in upper Michigan for the last 6 months and this morning I found that a big shelf of ice had fallen off the roof and landed on the hood of my truck. The hood is completely destroyed along with both front quarter panels, the front bumper, the grill, headlights, and there is a leak in my radiatir hose. My auto insurance won't cover the damages and I was wondering if the owner is liable to pay to fix my truck.