Hi @Harriet124
Welcome to the community 😊
Since your listing rate is satisfactory and your guest mentioned they have a great time.
You should respond to the message and screening the guest about the incident.
Overall, it helps you to make it efficient to decide the claim.
As the resolution center, you'll need to submit your request to the Resolution Center within 14 days of your guest’s checkout date or before the following guest checks in.
Being an Airbnb host, you do need additional insurance.
Hosting with any actual frequency is likely to void your current homeowner's policy, and Airbnb's protection is inadequate.
The Airbnb help articles as below.
Host Guaranteed
https://www.airbnb.com/d/guarantee
Host Protection Insurance
https://www.airbnb.com/d/host-protection-insurance
What's the difference between Airbnb's Host Guarantee and Host Protection Insurance?
https://www.airbnb.com/help/article/938/whats-the-difference-between-airbnbs-host-guarantee-and-host
You can consider consulting with your local insurance agency for additional protection and insurance procedures.
Refer to the review can be edited before it is published, but not after.
Happy Hosting✌️