Holy cow, this is horrifying. Sorry Duane. I personally lost that blind faith in AirBnb as a company that cares about hosts with my own incident where I was not backed up at all. All is rosy and well for hosts until you have a major issue and just want your security deposit and for Airbnb to take your side about safety and security -- then BOOM, if you have an unfortunate situation like this the veil is lifted and you realize it's just a booking/advertising platform that doesn't allow you to collect a security depositand will actually rule against you and your hard earned investment. It simply isn't a conmpany that's run well enough to handle these matters in consistent, fair, safe, professional ways. Period.
For the record, I've purposely decreased the number of people that our home can host because I've realized the more people, the more it invites activities we'd rather not host in our home. I also make the guest verbally reply the days before their reservation that their numbers have not changed, meet them after they check in, ask for the full names and ages of all people on the reservation, and I don't accept reservations I get weird feelings about at all. Too bad if I discriminate against groups of twenty-somethings who are friends. I really don't care, we must look out for ourselves.
Their host guarantee and supposed background checks mean absolutely zero.
Please take care Duane and let us all know how this shakes out for you. It could be any one of us any day and I do believe you have the law on your side, but not abb.