Try pulling your driveshafts individually and driving in 4H when you remove the rear driveshaft and 2H when you remove the front. I'd start with the rear driveshaft.
If the noise goes away it's probably a U-joint.
If it ends up being that then just check for play in the joints. It should be easy to distinguish.
No offense but breaking something while wheeling has nothing to do with the PO. You have to pay to play