I handle this way.
My mattresses and box siringes have zippered plastic protection.
My pillows also have a zippered protection that now a daysare available without a plastic noise everytime they move their head.
I don't do anything white colored that is not easy to clean.
My husband always finds what I call his concoctions from the internet but some are amazing effective and cheap. He makes his own non chlorine bleach.
My linens are nice but also Costco . I have for each bed a stored brand new backup if needed same with my towels. I figure for some stupid accident just like I figure broken dishes or anything as an expense reflected in my costs.... So for me, I figure based on show many guests, reasonable would with my linens or towels once a year per bedroom. That is an additional expense of operating that room but the guests don't feel the pain because that is actually less than a buck a day.
If it is happening every month for you. Customers don't like when possible fees are the greeting. Just like you wouldn't, people get nervous that no matter what they do you will find a problem.
If make up is the issue, then just factoring in the cost of some inexpensive wipes and tissues..
If blood on the sheets is a regular issue, it can be, I fond on Amazon you can buy a inexpensive pad that is just a big square basically and they even have disposable ones that are waterproof and I just let the guests know where they could find if they needed.saves the guest also because they can just launder it and sleep in a clean bed.
I make rags readily available and known to my Guests.
Nothing wrong in having rules, just human nature we easily follow easy rules. So instead of hassling with a reimbursement try to limit youur damages.