@Sarah977 omg, Thank you Sarah, your answer it's such an eye opener, now that  I  see it, it's the only way to make it work. I was frustrated expecting all the guests to be considered, but unfortunately that's not realistic 100% of the time. 
Thank you very much for your quick response and support. 
I appreciate it very much. 
 
Now back to the claims. 
In a Not included kitchen 
I got 2 different guests pointing fingers at each other's for scratching the wood kitchen counter w the knife for not using a cutting board.
The repair estimated is on $300.
How do I deal with this situation..?
 
Thank you very much in advance