Two Wildfire Insurance Gaps That Cost One Host $101,000
Monday, August 31
I had a host reach out after a wildfire tore through her mountain community last summer. Her cabin survived, technically. Partial loss, salvageable, but the deck burned, the roof and one wall took heat damage, smoke filled the whole interior. Total damage came to $284,000. Her insurance paid out...
The Insurance Gap That Water Damage Always Finds
Monday, August 24
A housekeeper walks into a basement on a Monday morning to prep for a Thursday booking. She calls the property manager fifteen minutes later. The basement smells like mildew. Water staining runs along the bottom of the north wall. Mold has already taken hold in two corners. There's standing water...
What Happens When Your Cleaner Gets Hurt, Not Your Guest
Monday, August 17
Almost everything I talk about here involves guests. The person who slips by the pool. The kid who gets hurt on a trampoline. That makes sense, because guest injuries are the most common claim a short term rental sees. But there's a second kind of liability that almost nobody talks about, and it...
Your Paid Claim Is Now a Record That Follows You for Years. Here's How
Monday, August 10
Your Insurance Claim Doesn't End When the Check Clears. Here's What Happens Next. I was talking with a host a while back who had just wrapped up a water damage claim. Burst supply line under a bathroom sink, caught it within a day, carrier paid, contractor came out, done. He was relieved. He figu...
The House Gets Rebuilt. The Season Doesn't.
Monday, August 03
I've had this conversation with a lot of hosts, and it almost always starts the same way. Someone tells me their insurance is handled. Good policy with a solid dwelling limit, they've never had a problem. Then I ask one question. If a fire took your place out of service for six months, who pa...
What to Do in the First 24 Hours After Something Goes Wrong
Monday, July 27
I've been through the incident report files enough times now that I can spot the pattern before I even finish reading. The claims that settled clean, no fight, no gap, paid out close to what the host expected, almost always had one thing in common. Good documentation from day one. The ones ...