Should Sarah Goodman pay for the statue? And was she neglectful?

So over here in the UK it’s been reported in the news regarding a woman called Sarah Goodman whose son Troy was reportedly hugging a statue and it toppled over and broke and is now beyond repair.

According to the insurance company they’re stating she was ‘neglectful’ in letting her son near the statue which was in a community centre in Kansas(correct me if I’m wrong).

Personally I think kids go through the habit of having to touch everything it’s their instinct, I as a parent know that myself! But the question is what do you guys think??