@Dave950,
There is no listing exclusivity agreement between hosts and Airbnb, and there numerous sources for reservations. Hosts may have there rentals posted on several platforms. Such as Booking.com, Expedia.com, Vrbo, Flipkey, and hosts have their own websites, Google sites and Facebook merchant pages. A host would be in breach of Airbnb's T&C if a guest contacts a host on Airbnb, and the subsequent reservation is made elsewhere.
BTW, I have home owner's insurance for my properties. If I had a claim, I'd pay my deductible as prescribed in my policies. I wouldn't try to tell my insurers to grant me a waiver, because I thought there wouldn't be a storm this month.