Thanks for the insight, @Brian2036. This is pretty much what I expected though it is nice to hear it from someone with quite a bit more experience.
At the end of the day, the hosts are the real clients of Airbnb...no hosts...no revenue for the company. You'd think they would do all they could to ensure the confidence and security of hosts opening their properties to strangers (most of whom are very respectful). If the main priority is holding onto every dollar, call it what it is and cut the call center folks and the charade of going back and fourth on claims that will never be paid out. I did speak to my claims specialist who has asked again for my "continued patience."
Maybe if Catherine Powell, Global Head of Hosting, hears from enough hosts, they might begin to reconsider. She can't be that difficult to get ahold of.
In the mean time, I'm going to speak to a few lawyers and get a few legitimate opinions as I can see this becoming a recurring issue and I'm curious what they will say. Even if I do get paid out, the amount of effort it has taken is beyond reasonable for something that is a "guarantee." A few small damages a month can eat into my margin and turn my property upside down pretty quickly. I know hosts can always threaten to leave the platform if not give the right protections, but let's be honest, Airbnb is the biggest game in town so it needs to be a give and take.