If a guest causes damage during a reservation covered by Guest Damage Insurance, you can submit a claim directly through Hospitable.
Claims are submitted and tracked in Hospitable, but they are reviewed and handled by Tint, Hospitable's insurance partner. Tint determines whether a claim is covered and manages approved payouts.
Guest Damage Insurance is currently available only to US-based hosts with properties located in the United States. Claims can only be submitted for reservations covered by an active Guest Damage Insurance policy.
How to Submit a Guest Damage Insurance Claim
You can start a claim from the Protect section or directly from a reservation.
Option 1: Submit a claim from Protect
Go to Protect → Claims.
Click New claim.
Select the reservation associated with the damage.
Continue through the claim form.
The Claims tab under Protect in Hospitable, showing the New claim button and a list of previously submitted insurance claims.
Option 2: Submit a claim from a reservation
Open the reservation associated with the damage.
Click Submit Claim.
Continue through the claim form.
Both options take you to the same claims process.
A reservation in Hospitable with the Submit Claim button highlighted.
Complete the Claim Form
1. Select the claim type
Choose the type of claim you want to submit:
Contents: Damage to eligible belongings or property.
Theft: Theft of eligible property by a guest.
Real Property: Damage that falls under real property liability coverage.
Liability: An eligible injury or liability-related incident.
Bed Bugs: A qualifying bed bug infestation.
You can select more than one claim type.
Hospitable creates a separate claim for each claim type you select. For example, selecting Contents and Liability creates two claims, which Tint reviews separately.
2. Enter the date and describe what happened
Enter the date the damage or incident occurred.
Hospitable automatically fills in the reservation's check-in date, but you can change it to another date within the reservation.
Then describe what happened, including the damage or incident you're reporting.
The incident date must fall within the covered reservation. Dates outside the reservation cannot be selected.
3. Itemize the damaged property
For each damaged item, provide:
The name or description of the item.
The amount you're claiming.
Any additional information that helps explain the damage or cost.
You can add multiple items to the claim.
Hospitable updates the total claim amount as you add items.
4. Confirm your contact information
Hospitable pre-fills your contact details using your host information.
Review the details carefully, especially your email address.
Tint uses this email address for claim correspondence and approved payout instructions.
Make sure the email address is correct and accessible before submitting your claim. Tint will send the payout link to this address if your claim is approved.
5. Upload supporting evidence
Upload photos and other evidence that supports your claim.
Depending on the incident, useful evidence may include:
Photos showing the damage.
Receipts or proof of purchase.
Repair or replacement estimates.
Documentation explaining the circumstances of the incident.
A police report for a theft claim.
Guest theft claims require a police report. Tint may request additional evidence or documentation while reviewing any claim.
6. Review and submit
Review the claim summary, including:
The selected claim type.
The incident details.
The damaged items and amounts.
Your contact information.
The uploaded evidence.
Submit the claim when the information is complete.
After submission, the claim appears under Protect → Claims with its current status.
Is There a Deadline to Submit a Claim?
Guest Damage Insurance does not have a fixed claim submission deadline after checkout.
You can submit a claim after the reservation ends without a specified maximum filing window.
However, submitting your claim as soon as possible is recommended so you can provide timely evidence and details about the incident.
Although there is no fixed claim filing deadline, Tint may ask for additional information if a claim is submitted long after the reservation. Claims remain subject to the policy's coverage requirements.
How to Track a Claim
You can view and manage submitted claims in Hospitable.
Go to Protect → Claims.
Find the claim you want to review.
Click the claim to open its details.
The Claims tab shows information such as:
The claim amount.
The current claim status.
When the claim was last updated.
Opening a claim lets you review its details, including the reported damage, claimed items, uploaded evidence, and status.
Hospitable Protect Claims tab displaying a list of submitted Guest Damage Insurance claims with claim amounts, current statuses, and last updated dates.
Understanding claim statuses
Your claim status changes as Tint reviews and processes it.
You may see statuses indicating that a claim has been:
Submitted or received: The claim has been filed.
In progress: Tint is reviewing the claim.
Approved: Tint has accepted the claim.
Rejected: Tint has declined the claim.
The current status is displayed in the claim details.
An individual Guest Damage Insurance claim in Hospitable showing its status, claim amount, damaged items, and supporting evidence.
How to Communicate With Tint
Tint handles claim reviews, requests for additional information, coverage decisions, and payouts.
You can communicate with Tint directly from an existing claim in Hospitable.
Go to Protect → Claims.
Open the relevant claim.
Review any messages from Tint.
Reply to the messages or add evidence as requested.
For example, Tint may ask you to upload another photo or provide evidence for an item listed in your claim.
You can add supporting evidence to an existing claim without starting a new one.
How Guest Damage Insurance Payouts Work
If Tint approves your claim, Tint sends an email containing a payment link to the contact email address provided in your claim.
You then follow the instructions in Tint's email to receive the payout.
Tint handles payouts directly. Hospitable does not process claim payments.
Submitting a claim does not guarantee approval or payment. Tint reviews each claim against the insurance policy and determines the eligible payout amount.
What Happens if a Claim Is Rejected?
If Tint rejects a claim, you can review the claim status and any messages from Tint in Hospitable.
For questions about the decision, reply to Tint through the claim's message thread.
Tint is responsible for explaining coverage decisions and handling claim-related questions.
Hospitable can help you navigate the claims interface, but cannot approve, reject, or overturn an insurance claim.
Frequently Asked Questions
Can I submit more than one claim for the same reservation?
Yes. You can select multiple claim types when filing a claim.
Hospitable creates a separate claim for each selected type, allowing Tint to review them individually.
Can I add evidence after submitting a claim?
Yes. Open the submitted claim under Protect → Claims to add evidence or respond to requests from Tint.
Can I contact Tint through Hospitable?
Yes. You can view and reply to Tint's messages within the relevant claim in Hospitable.
Who decides whether my claim is covered?
Tint reviews the claim and makes coverage decisions based on the insurance policy.
Hospitable does not determine whether an incident qualifies for coverage.
Who pays an approved claim?
Tint handles approved claim payouts and sends payment instructions to the email address provided in your claim.
How long does it take to receive a payout?
The time required depends on Tint's review and payout process.
You can track the claim's status in Hospitable and communicate with Tint through the claim's message thread.
Is there a deductible or minimum claim amount?
Accidental damage claims have a $0 deductible and no minimum claim amount.
Other coverage types may have different deductibles. The applicable deductible depends on the claim type.
Also see: Guest Damage Insurance Coverage and Exclusions