Craig
I recently walked in the same shoes after being a host for 4 years. My claims were $3500 and an Instagram post the people themselves posted destroying one of my Airbnbs. After several hours on calls, providing documents, police report, and more to the Resolution Center, I got little to nothing. I soon realized I had spent more time and stress trying to get assitance for payment from guest then it took to hire constractors and professional cleaners to get my Airbnb back in order.
My best advice, submit to your own insurance and get rest from the stress it has caused you. Next, go through in fine detail the words you choose to list your place. Ask others to read and listen to feedback. One added item I did was put it in my listings, can only accept guest with a mininum of 2 reviews. Yes, I loose some newbies but I sleep better at night.