@Fabs0 thank you for your post..I'm sure many hosts will be following the saga. While the Host Protection Insurance is a significant benefit to hosts, Airbnb also recommends that hosts also have their own insurance as stated in the Terms of Service:
"Airbnb recommends that Hosts obtain appropriate insurance for their Accommodations. Please review any insurance policy that you may have for your Accommodation carefully, and in particular please make sure that you are familiar with and understand any exclusions to, and any deductibles that may apply for, such insurance policy, including, but not limited to, whether or not your insurance policy will cover the actions or inactions of Guests (and the individuals the Guest invites to the Accommodation, if applicable) while at your Accommodation."
Many hosts believe that Airbnb's Host Protection Insurance is all they need. Not necessarily so. I have my own vacation rental insurance that amongst other things, covers me for loss of income if my property is damaged to the extent I cannot accept reservations. I advise all hosts to talk with an insurance broker to ascertain if they need additional insurance to what Airbnb offers.
Keep us posted on your progress! And, my sympathies for what you went through. That's pretty painful!