Hi Dawn
Unfortunately accusations of breakages and damage are par for the course. We actually have a £250 excess on our insurance for breakages to discourage claims as venetian blinds and sometimes pictures tend to fall down when you touch them! Our product damage insurance is full cover though as we would cover the excess.
I frame it up at the sales meeting - we have a £250 excess on our accidental damage insurance because we will at some point move pretty much every ornament/piece of furniture in your home and although we do take every care, accidents do happen. I then tell them that they should check their household insurance to ensure it covers them as this usually has a much lower excess.
We have had some minor breakages which are always reported to the client immediately. Only one client has so far withheld £10 for a picture frame. Others accept that accidents do happen.
Regarding cleaning damage, scratches, etc we would refer major damage to our insurers. We did pay a plumber to fix someone's tap once though as it appeared one of the ladies had been a bit rough when turning it. Suspect it was broken previously but its part of the business to keep clients happy and if that means paying up sometimes, then so be it. As it was she offered to pay half of the cost so it only cost me £20 and as that client is worth £600 Net Profit per year it was money well spent.
Re this particular client he is taking the pee asking for replacement incense sticks when all you (maybe) threw away was the ash, however you did agree to replace them so it depends how much this client is worth to you as to whether you tell him to get lost or offer him something towards the sticks, but definitely not for all of them. Ask him outright how many would be reasonable and negotiate.
Re the ornament tell him your insurance company would not pay for it because you would have to inform them that you saw that it was broken before your cleaners started and that you even made a note of it at the time. Doesn't matter that you didn't point it out to him, he knows it was broken already anyway!
Best of luck and don't take any of it too personally (easily said I know!)
Cheers
Diane
www.freshlymaid.co.uk