I had a lady accuse me of the same, I didnt deny it immediately I asked to have a look. So I went indoors and quite clearly there were scratches on the glass running along the edges. Looked like a scraper had done it.
Without launching right into denial, I said oh dear we'd better check the rest of the windows so she said okay I'll check this side and you check the other.
There weren't any other scratches on the windows, so that was a relief. I then reasoned with her and got her to see that if my brush had scratched the window I'd expect to see it on the other windows too. She agreed, and I said let's just go back and look at the original window. OK she said. I then made a suggestion if you stay here, I'm just going to clean this window again can you watch the direction of the bristles, yes she said.
So I went outside did the clean, and went back in, when I saw her she had a massive smile over her face, she said no no its not your brush, the scratches dont even follow the same sweeping pattern and look far too deep for a bristle, also they splay out slightly when you did it so don't worry it's obviously something that was already there.
I suggested it could of been a builder or decorator trying to scrape cement or paint off the glass cos that looks more like a scraper to me. She then said that there were builders working on the front of the house September last year (it was January)
So I said if it's still something you'd like to persue, I'll do my best to comply with your insurance company in any statements, she said no nono don't worry Marc it's fine. But I insisted and I still have the customer today that was 4 years ago and heard nothing since, very nice lady now more so than before.