What do I do if
Short-term vacation rental guest damaged property.
STR platforms have damage coverage; homeowners may exclude.
Short-term vacation rental guest damaged property.
Root cause
Why this happens
STR platforms have damage coverage; homeowners may exclude.
Know the law
Your rights
Platform damage coverage first, then insurance.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
File platform damage claim
- 02
Step 2
Consider STR-specific insurance
- 03
Step 3
Review homeowners for STR use coverage
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Carrier wants an unrealistic repair timeline.
Carriers sometimes impose deadlines unsustainable for actual repair.
I need to move for work during my claim.
Life circumstances can force relocation during restoration.
Subrogation failed; I paid deductible for someone else's fault.
Subrogation sometimes fails due to evidence, statute, or defendant insolvency.
I'm too sick to handle my claim.
Illness or incapacity during claim handling.
Tenant damaged property I rent; claim complications.
Rental damage coverage depends on lease and policy.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 626.854
Public adjuster.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Bill of Rights.
FS 626.9744
Matching.
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Common problems.
See also
Other common problems
Depreciation release significantly delayed (variant 4).
Another situation Florida policyholders face mid-claim.
I refinanced during my claim; new lender causes issues.
Another situation Florida policyholders face mid-claim.
Settlement sent only to mortgage; no funds to me.
Another situation Florida policyholders face mid-claim.
Mortgage company won't release funds without an inspection I can't afford.
Another situation Florida policyholders face mid-claim.
Carrier refused my reinspection request.
Another situation Florida policyholders face mid-claim.
Carrier reduced settlement because repairs used unlicensed contractor.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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