Jeffrey,
I think your request for damaged equipment in cutting a stump is well founded. Over the years, people leave things leaning beside a tree or throw trash to the base of it while cleaning the yard. Those things eventually are overgrown. When one offers to cut a stump, it should be understood that he is cutting wood, not metal. I think the dirt is something that a chainsaw man should accept, but not the foreign, manmade stuff.
In custom sawing, I don't charge for wear and tear. It is a cost of doing business. If I hit a foreign object that damages my blade when cutting a yard tree, then the customer has bought it......or at least part of it.
You can always forgive a debt if you so desire but it's hard to charge after-the-fact, so, include this clause in your price. "The Customer will be responsible for damaged chains due to foreign material inside of the tree up-to the cost of each new chain. Filing of damaged chains will be accessed at the equivelant of $50 per hour."
Something like that will cover you and still allow you to give them a deal if they are good folks. Make sure they understand you gave them a deal, if you do, or it won't count.
