Claim via the house insurance. Avoid claiming through his car insurance as the premium will increase. It does get awkward if the house insurance is in his name, as insurers have contractual restrictions on property that has insurance elsewhere that you can claim from. You will need to assure them you will not be claiming of both policies, and that his excess prohibits him from making the claim as he cannot afford it, while the loss of roof tiles and consequential damages is covered by his home insurance (if it is).