Thank you Helen
I see posted this without realizing it. I will post correct account of what happened and information I want to somehow share .
As an attorney, I absolutely read and followed all Airbnb procedures and policies . I agreed to them and expected Airbnb would comply with the policies as written I like Airbnb, but have concerns about the Host Guarantee , which I try to view as separate.
Circumstances of Loss were as folows
1. I contacted Airbnb immediately when two guests out of 10 were belligerent, Airbnb offered to terminate the reservation immediately, but since there were small children and grandparents I agreed to check on them in the morning, The morning seemed fine, although there was a dog not included in the reservation. In the afternoon neighbors notified me of a party being set and caterers. I do not allow events. A huge storm was coming. A guest called me and told me he was going to take a crow basement to my washing machined and the Internet was out. I realized they had blown a fuse in the basement, which has never happened. They refused to let me in the house. I checked for power outages in the area, and called my internet service provider rather than blaming the guest . I confirmed the guest needed to reset the breakers which are easily located or let me in the house; they refused to do either. Then I called Airbnb who emailed me to call the and the police. Before the police would forcibly remove the guest, the police reasonably wanted confirmation from Aibnb they were asked to leave. Airbnb referred he police to a non-working web page to make an information request.l They could not locate their conversation with the guest in the notes, but did later because I kept the names of everyone at Airbnb with whom i spoke. The language of the 'Airbnb message merely said "airbnb no longer supports this reservation." For the police to act, it needed to say that Airbnb had spoken with the guests to ask them to leave or attempted to contact them. I was not to confront the guest and did not . It took about hours to get the communication I needed from Airbnb, the police gave the guests time to leave . As luck would have it, one of the worst storms in history happened that day, while guests had turned off two sump pumps continued their party upstair . The basement had never flooded in the history of the house, and there were 2 sump pumps. There was 14 inches to 2 feet of water by the time I was ale to return. I flipped the breaker switch and the sump pumps quickly cleared the water. However, the , destroying my furnace , water heater, washer dryer, floors , walls, inventory... there was a paint ball game in my living room and the caterers spilled catering pans of hot grease...
Procedures After the Loss -- I want to publish a guide for this .
I reported the loss and issues to Airbnb all day, and throughout the extraction. After the loss I was sent to the Resolution portal , and they matter bypassed the guest. resolution because it is a serious loss.
2 An Airbnb owner should never file a homeowner's insurance claim instead of the Host Guarantee because your insurance rating is very, very important. In the US, most policies exclude short term rental. If you are covered, you will most likely be dropped after the first claim. A serious loss can count as two claims.
(I will tell you how to check your homeowners policy provisions another time)
The most important benefit we have as hosts is the Guarantee and most of us would not go forward without it.
The Guarantee is primary for covered losses for what it covers. Airbnb covers cash surrender value depreciated values. If Airbnb has fully complied with the terms of the Guarantee and you have a loss., THEN you must file a claim with your homeowners insurance
This is a fair system. I read it. I consent
There is a trap-- if your homeowners policy pays amounts Airbnb covers, the Guarantee is fulfilled . Airbnb is off the hook. I saw this too. I agreed
After filing the claim with Airbnb , which took 23 hours to upload... I heard nothing for weeks. Then, finally, and adjuster called after a month -- with water damage and emergency remediation costs to extract the water. I literally took week off of work and ot everything to the adjuster who sent their inspector out.
I confirmed the inspection report came back on September 27 and was forward to Airbnb for review in October. I had some other covered property but stated to the adjuster i could not afford to hold up the claim.
Airbnb has deliberately delayed paying me and avoided all contact. After 60 days of this, I went on twitter and got an email thanking me for my patience. The adjuster said she forgot to send the report after ocnfirming she had sent it
The communication and delay area not reasonable. It is a tactic to try to force me to file a homeowner's claim. I believe this is true because during my first contract with Crawford, the independent adjuster, the Crystal misrepresented to me that the Host Guarantee is secondary "Insurance" ten seconds after stating the Guarantee is not insurance . I informed is false, and confirmed that she had made this representation in an email.
Ninety days later , I have no communication other than childish , offensive emails . Airbnb is not regulated as insurance regulations which specify time frames.
However , the Guarantee is a promise to consumers (hosts) to reasonably protect us from damage and loss, including lost bookings. Airbn is not reasonably processing my claim . It has deceptibly stopped processing my urgent claim to force me to look to Homeowners insurance so the are released from my claim, knowing and I surely will be dropped i from my homeowner' s insurance if i do. I have
I am going to file an arbitration under the Wisconsin Deceptive Trade Practices Act which provides for two or more times the actual damages to send a message to a company to correct their misrepresentations and actions. . All states have some version of this.
I any hosts are having difficulty with a serious loss (more than $5,000 to 10,000) I will help them with file and arbitration demand letter under the appropriate consumer law and I will post the progress.
I just have to figure out how and where to post .
