the ceiling is falling and it won't get up

i have a house that is older than dirt and should have been torn down many years ago.
since day one the money pit has been nothing but a thorn in my side. first it was the pump for the well. that was done within the first week we moved in. a year later was the plumbing, all of it was replaced after the main pipe burst. longer story there.
next was the tree that nearly came down on the house when we had the mirco burst back in july of 2007. too bad the damn tree didn't fall on this place but then we would not be having this conversation.
now it's 2010 and time for another disaster. we come home from work and had the surprise of our life. the living room ceiling came crashing down. how? we have no clue.
what scared us the most was that where the ceiling came down was in the exact spot over the window where lucky sits and of course jumps out of. she normally spends most of her day in that spot. i screamed right away for lucky. we didn't see her and had no idea if she was hurt or what was going on. she came out from her room, still shaking but ok.
this is what we came home too.

lots of plaster came down. we have no idea how. we do know there was high winds that day.
we had lots of rain but there was never any sign of a water leak. so cause is still semi unknown.
ace chalks it up to weather and a roof leak. i say it's a sign that this place needs to go.
either way it's now on to step 2 and 3, insurance companies and contractors.
the worst part has been the contractors. they all have been nice and helpful but their ideas of fixing and mine are light years apart. i am sure this will get fixed in the next few weeks, months, years, whatever. in the meantime, note to self: be present when you have the house inspected before you sign the final papers. otherwise you have a money pit and your inspector will be doing 2-5 for fraud. think he is up for parole now.