I find it funny when people say..."just pay". I'm not singling anybody out...but if you didn't cause damage, they why should you pay a thing?
I get the whole reputation thing. But seriously, guys like this...are A holes. That being said...nobody listens to an A hole anyways. He can rattle off at the mouth all he wants. He knows it was a good job, and anybody else who looks at his boat will know as well.
I will never simply pay up cause someone throws a false claim at my business. It takes MUCH more than that to take down a reputable, respected, and quality business. One customer is one job, and every bad customer you let go...makes room for a better 3 more. I mean honestly, after this...would you really want to do work for this guy again anyways??
I would tell this guy to take a hike. Better yet, I would let him know that I no longer want to be contacted with his future business. Here's the number to my insurance company...they'll listen to your claim.
This reminds me of a recent situation where a guy tried to blame me for a puncture in his bumper. Guy bought a filthy Audi, and once it was cleaned it exposed the flaw. Of course it's my fault, and not the buyer who bought a vehicle with an inch of dirt on it. I gave him my insurance info...and he let it go cause he knew it was bull. I saw it there when I was buffing it. Plus, I found the craigslist ad for the car, called the number, and spoke with the seller. Puncture was already there from their automatic garage door...go figure.
I understand being professional, and owning up to a mistake. I've done it in the past. If I screw up...no doubt about it, I will call the customer and have already arranged a potential solution. But, you gotta remember that people WILL take advantage of a business. You may be wanting to save your rep...but at the same time you're building a reputation that says "no matter what, if you blame me...I'll pay for it". Word can get around real quickly that you'll pay up. Before you know it, it's one thing after another. People will bring their vehicles in that have pre existing damage, and blame it on you in the hopes that you'll foot the bill.
It's one thing to own up to your mistake. It's another to not back up your business. You have to have a back bone.