Pilot: Filing a claim with Guesty Liability Coverage

Ensure your guests and owners are protected while staying at the property with Guesty's Liability Coverage. Guesty Liability coverage includes expenses incurred from:

• Accidental bodily injury to guests or third-parties at the property
• Injuries to guests or third-parties resulting from falling objects such as a fallen tree or heavy object
• Damage to the property during a guest's stay, such as an accidental fire
• Damage to neighboring properties such as in the cases of a yard flooding or broken windows

File a claim

Follow the instructions to file a claim.

Step by step:

1. Sign in to your Guesty account.
2. In the top navigation bar, click and select Guesty add-ons.
3. Click the Guesty Liability Coverage tile.
4. In the left-side menu, click Claims.
5. Click File claim.
6. Select the address of the relevant property and click Get started.
7. Enter the date of the incident and click Next.
8. If the incident occurred on the property, enter a description of the location such as "front yard" or "kitchen". If the incident occurred outside of the property, as in the case of damage to a neighboring property, leave this blank. Click Next.
9. Select the incident type from the dropdown menu and click Next.
10. Enter a description of the incident. Click Next.
11. If you have photos of the incident or resulting damages, upload them, then click Next.
12. Enter the details of witnesses if relevant. Click + Add witness to add more if needed. Click Next.
13. If authorities were contacted as part of the incident, select the relevant type from the dropdown menu. Click Next.
14. Lastly, select the estimated claim amount from the dropdown menu and click Submit claim.

Once your claim is processed, an adjusted will be assigned to it and will contact you for further assistance. You can view and manage your claims at all times in the "Claims" page.

Claim resolution time

Once you submit a claim, you will receive email notifications immediately at each stage of the process (e.g., when the claim is received, accepted, or denied).

The time it takes for a claim to be fully resolved can vary widely depending on the specifics of the claim. Since this is a liability policy, claims are typically low-frequency, high-severity events, meaning that when they do occur, the complexity and severity can impact the resolution time.

For example:

• Bodily injury claims: These tend to take longer to settle. A claim related to a serious injury, such as a broken leg, could take 6 months or more to close, depending on medical treatment and recovery.
• Soft tissue injuries: These claims typically settle more quickly, often within 30 days or less.
  Keep in mind that the timeline for resolving a claim will depend on the nature of the injury, the necessary investigations, and other factors specific to the case.