In 2017, over 1.2 million guests stayed at various Airbnb properties across Colorado. While the vast majority of Colorado Airbnb stays are uneventful, accidents and injuries can and do happen. Unfortunately, bringing a claim against the responsible party can be confusing. At Cook, Bradford & Levy, our Colorado Airbnb accident attorneys can help you navigate the multiple insurance policies that may cover your loss, as well as identify the best path to resolving your claim. In short, we can provide you with clarity and confidence that your Airbnb accident claim is being handled the best way possible. If you have been injured at an Airbnb in Colorado, we encourage you to call our Colorado Airbnb lawyers today at 303-543-1000 for a free consultation to discuss your case.Insurance Covering Colorado Airbnb Accidents
One of the first steps in handling your Airbnb claim is to find all available insurance coverage that may apply to your loss. Our Colorado Airbnb accident attorneys understand that the first place to look is the homeowner’s policy and Airbnb itself. While a traditional homeowner’s insurance policy specifically excludes coverage when the homeowner is using the property for commercial business purposes – like running an Airbnb or Vacation Rental By Owner (VRBO) – Airbnb offers a program for homeowners called Host Protection Insurance. If the Airbnb landlord in your case is covered by Host Protection Insurance, then a knowledgeable Colorado Airbnb accident lawyer will seek compensation for you under that policy in addition to any other insurance policy covering your loss.
Even if one policy may cover your Colorado Airbnb accident, it is extremely important to identify all potentially applicable coverages for your claim. This is especially true if you or a loved one has suffered serious injuries or even been killed on an Airbnb property where one policy may not be enough. A good Colorado Airbnb accident attorney knows that while there may be insurance coverage through Airbnb, a savvy Airbnb property owner also likely has a special homeowner’s policy covering commercial uses.
One way for additional coverage to exist is if the Airbnb landlord purchased a “rider” to his or her existing homeowner’s policy allowing for commercial use. There is also a growing market of insurance carriers, such as Proper Insurance (underwritten by Lloyd’s of London), that specialize in writing homeowner’s insurance policies that allow a property to be used as Airbnb or VRBO rentals. We will look for this type of coverage, and we can also complete a search of the landlord’s assets in those cases where there is no coverage under a homeowner’s policy or the coverage available is insufficient to pay for your losses.Types of Airbnb Accidents
At Cook, Bradford & Levy, our attorneys have been practicing personal injury law long enough to know that there are a limitless number of ways that someone can get hurt in an accident. Airbnb accidents are no exception, and our Colorado Airbnb accident lawyers want to hear how your injury happened and what the Airbnb landlord should have been doing to prevent the accident. For example, you may have a viable claim if you were injured in a poorly lit stairwell, or the landlord’s failure to remove snow and ice from the parking lot caused you to slip and fall. Each case is unique and requires an in-depth analysis of the facts applicable to your claim.It Doesn’t Matter Where Your Accident Happened or Where You Live – We can Help
In 2017, the most popular Colorado Airbnb destinations were Denver, Breckenridge, Colorado Springs, Boulder, Fort Collins, Steamboat Springs, Keystone and Silverthorne, and Aurora. Regardless of where you were injured, our Colorado Airbnb accident attorneys can help you with your claim, even if you were just visiting Colorado and live in another state or country.
If you or a loved one has been injured during your stay at an Airbnb in Colorado we know that you have questions, and we can help. Give us a call today at 303-543-1000 for a free consultation to discuss your claim.