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@TooTallTim
When I lent my bike to my cousin for the day, it got nicked despite him using 3 locks on it (damn thieves). Obviously I was annoyed but it really wasnt his fault and didnt expect him to pay me anything, but he insisted that he pay me back. To compromise, i said he could give me some money for just wheels and frame because he didnt have much money.However, if your housemate hasnt locked the garage properly then it really is his fault and he should be a good enough human to own up and pay his dues, or at least offer to pay part of the replacement