@Cheryl1167 I’m so sorry you had to go through this — that sounds incredibly frustrating and disappointing. You trusted the platform and the guest, and it’s completely understandable to expect better protection, especially with the way Airbnb promotes AirCover.
You're right — many hosts assume AirCover is a full safety net, but in reality, AirCover often excludes damage considered "preventable" or not immediately reported, even if it results from guest negligence. What you described (open windows, water damage, excessive trash) should qualify under the “damage to property due to guest behavior” clause, especially since they violated house rules. The lack of review or proper explanation is concerning.
A few thoughts that might help others reading:
Always photograph the condition of the home immediately after check-out — Airbnb often requires timestamped evidence within 24–72 hours.
Reiterate critical house rules verbally or via message, especially before check-out.
Consider external short-term rental insurance — some hosts find better support than AirCover offers.
Keep pushing via Airbnb support chat if you haven't already escalated through a supervisor or case manager (though I know that can be exhausting).
Also, that “disengage” line is a frustrating response many hosts have reported. It's feedback like yours that really helps the community better understand the limits of the platform and encourages better protections for hosts in the future.
Thanks for sharing your experience — even though it was painful, your story may help another host avoid the same situation. 🙏