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
$142,000 SETTLEMENT + COMPLIANCE

The Complaint That Became an Audit

One fair housing complaint about a service animal became a nine-property regulatory review, and insurance paid none of it.
№013 · Read analysis →
LiabilityHigh
$91,000 OUT OF POCKET

The Fence That Was Never There

A toddler reaches an unfenced backyard pool. Why an absent barrier, not a broken one, turned the claim into a total denial.
№012 · Read analysis →
LiabilityHigh
$850,000 GUEST SETTLEMENT

The Weakest Policy in the Portfolio

A guest is seriously hurt at a managed rental. The owner’s policy denies on commercial use, and the claim lands on the management company instead.
№007 · Read analysis →
Property DamageHigh
$108,500 TOTAL OUT-OF-POCKET

Two Policies for One Storm

A named tropical storm causes $22,000 in wind damage and $72,000 in storm-surge flooding. The property policy covers wind, minus a named-storm deductible the owner did not know existed.
№006 · Read analysis →
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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