It seems that AirBnb, while reluctant to get into processes like arbitration, does have limits to how much they will dodge and weave their way out of situations. In order to make sure the company follows through with their insurance policy, I have simply made it a business process of mine to call AirBnB daily to deal with claims.
It's unfortunate that I have to do this, but I can say with confidence that my attrition due to cases falling through has greatly reduced. My tip is to keep everything in a list.
I Co-Host in New York and New Jersey
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