Hi, my guests caused my toilet to ovverflow because they used too much toilet paper which caused a blockage. The "black" water flood caused damage to the laminate hardwood flooring in the next room. The walls in the half-bath and the next room were also water damaged. They failed to let me know immediately about this problem. The guests feel that because it was an accident, they shouldn't have to pay for the deductible my homeowner's insurance charges me. My insurance will cover all except the deductible. But now, I'm not sure if my own insurance should pay for the damages.
These guests are still here. These are my first guests and this is their first experience staying at an airbnb. Do you think my own insurance should pay for this or should Airbnb's insurance pay for the damages? I'm thinking I should let me insurance know about Airbnb and let them settle it with Airbnb. Any recommendations? My homeowner's insurance is with the triple A (AAA) of California.
