Normally, another craftsman drops something, for example, a hammer that damages the tile. He sees the damage, goes to the client, and his business liability insurance covers the damage. That's how it should be.
The craftsman might not even have business liability insurance and conceals the damage. No one saw it. It wasn't the tiler. Therefore, there is no damage causer who can be held liable for it.
We know it from traffic accidents, this is called hit and run. The tiler doesn't care. He doesn't know who the culprit was or who else is working in the house.
One must also say, if the tiles had already been grouted, this damage probably (hypothesis) would not have occurred. The tile edge was hollow and broke off.
The damage can be repaired without much fuss. The tiler will surely need 3-4 hours to replace the tile plus the risk of further damage to other tiles. He wants to be paid for this risk.
There are 3 options for the client. Repair it yourself, pay for repair by the tiler, or find out who caused the damage.