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Airbnb Host Insurance Claim Log Spreadsheet – STR Property Damage Tracker (Excel/Sheets)

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  • Designed by TheSTRLedger
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  • Digital download
  • Digital file type(s): 1 File

FNOL through settlement. Recovery $ vs deductible. Lessons learned. Insurance claim log for Airbnb / STR hosts tracking claims against your underlying property insurance (separate from Airbnb AirCover — see OPS-002 for that). Excel + Google Sheets.

Storm damages your roof. Or a guest causes $8K of damage that AirCover
denies. Or a pipe bursts when nobody's there for 48 hours. The claim
process drags on for 90+ days, the adjuster low-balls the estimate, and
by month 4 you've forgotten what was approved when. Then the next claim
hits, and you're rebuilding the file from scratch.

This workbook tracks insurance-claim lifecycles cleanly. FNOL through
settlement. Recovery $ vs deductible. Per-claim photos + adjuster notes +
correspondence log. Lessons-learned column for preventive cadence updates.

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WHAT'S INCLUDED
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📋 Property Roster + each property's policy info (carrier, policy #, deductible, limits)
📋 Per-Claim Lifecycle Log (FNOL → Investigating → Approved → Denied → Settled)
· Date of loss, incident type (storm / fire / theft / plumbing / liability / other)
· Adjuster name + contact + inspection date
· Claim # + estimate + settlement amount
· Net recovery (settlement − deductible)
📋 Days-to-Settlement KPI — rolling average; >60 days = pressure carrier
📋 Recovery Rate — total settled $ ÷ total claimed $; <60% = evidence is weak
📋 Per-Property Claim History — surfaces "hot" properties (2+ claims in 3 years)
📋 Lessons-Learned Column — preventive maintenance updates

═══════════════════════════════════════════
WHO THIS IS FOR
═══════════════════════════════════════════

· STR hosts who've filed at least one insurance claim
· Multi-property operators tracking carrier relationships
· Anyone who's been low-balled by an adjuster and wished they had better records
· Hosts approaching policy renewal (claim history affects rates)

═══════════════════════════════════════════
DISCLAIMER
═══════════════════════════════════════════

Filing claims under threshold (e.g., $3K damage with $2.5K deductible)
often costs more in future premium hikes than the settlement returns. The
workbook helps you decide WHETHER to file — not just how to track.

═══════════════════════════════════════════
FILE COMPATIBILITY
═══════════════════════════════════════════

✅ Excel 2016+ · ✅ Excel 365 · ✅ Google Sheets

═══════════════════════════════════════════
REFUNDS
═══════════════════════════════════════════

14-day refund, no questions. hello [!at] thestrledger.com.

═══════════════════════════════════════════

⚠ Digital product. Not legal or insurance advice.

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TheSTRLedger
Dan
TheSTRLedger ·

Utah, United States

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