Threshold/Incident Reports

The incident library.

Every entry is a real short-term rental loss, anonymized and reconstructed in the same format: what happened, what the policy did, and the one change that would have altered the outcome. Numbers intact. No sensationalism.

LiabilityHigh

$41,500 SETTLEMENT

A Slip at the Hot Tub

A guest slips getting out of a hot tub on a sub-freezing night. The injury is moderate. The settlement isn't catastrophic. So why does the host end up

№001 · Read analysis →

Property DamageHigh

$185,000 STRUCTURAL DAMAGE (COVERED)

The Cabin Fire That Exposed a Coverage Gap

A cabin fire destroys 60% of the structure. The insurance company covers the building reconstruction. But the nine months of lost peak-season revenue

№002 · Read analysis →

LiabilityHigh

$28,700 SETTLEMENT

The Guest's Dog That Cost $28,700

A guest casually mentions their dog. You say sure, no problem. Three days later, you're writing a $28,700 check from your own pocket. Here's what actu

№003 · Read analysis →

All identifying details are altered or removed. Figures reflect documented claim outcomes.

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