this is what my insurance agent once told me if i didnt think i caused the damage customer was claiming. he said if i was doing a one time yard or if customer just started very recently and called up claiming i broke something, and i was certain i didnt to not even mention insurance and see if they could gather enough proof to go to court. then if they did file in court to hand it over to insurance and they would fight it or pay. never had to do it, yet. only 2 broken windows in the couple years since he told me that. those windows were on front doors and i watched them shatter in front of me while i was edging near them. any one else been told this by their insurance agents, or what do you do if someone claims damage that youre sure you didnt do?