Carpet not covered by insurance.

The other day I had a customer tell me I ruined their carpet, a discoloration occured while I sprayed 101 on a sofa (RED) the customer asked what I had done to the carpet, I said nothing…. yet.. as I was cleaning the sofa. Clearly something had spilled prior to my cleaning…any way long story short, I was told by my insurance company that carpet is not covered due to an exclusion M in the policy. The customer was not happy when I informed her and we went around and around, I told her the solution could not result in a discoloration with out prior spills or cleaning products that they may have used. She was adamant that THEY did nothing, I said , then why did no other rooms have this issue, I cleaned the whole house and if dicoloration was going to happen because of my solutions why not on your RED sofa ? She had no coment…I told her the best thing I can do is refund the carpet cleaning portion of the bill and she agreed…Contrary to popular belief THE CUSTOMER IS NOT ALLWAYS RIGHT! Sad that I lost a customer I had been cleaning for for years but I would rather lose a customer like that than keep them. You may want to check your coverage, I found it to be an eye opener…..but if you think about it why would they cover carpet..they would be buying carpet every day !