Hello, Tx resident here. I am a small business for roofing, I was entering a gated community and my truck bumped into a electric gate, the damage was very minor and I spoke to a resident that called the police on me, cops came and seen it was a honest mistake and told me just to have the gate welded fixed no charges were filed it was very small damage. Now the HOA is telling me it’s 8k in damages 2 weeks later and I do not agree with the damages. I’m a contractor so I can have the gate repaired for under $500. I told them there quote is insane and I can fix it for the original agreement we had. Now they requested if I have my insurance pay for the gate. They are trying to get a new gate system from my insurance and I do not agree. I have my quote to repair it from my own pocket, what should I do?