guest stayed 5 nights, party-hosted, broke 2 chairs and a window. damages ~$1,800. filed AirCover claim with photos and timestamps. airbnb refunded the guest IN FULL claiming "the listing photos didn't match expectations." lost the $1,200 booking AND have $1,800 damage.
aircover decisions are notorious for going against hosts. escalation tree: file appeal first, then formal arbitration demand under their TOS, then file with state AG. file with credit card chargeback if guest paid by cc.
direct lawsuit against guest is the move. airbnb is just the platform — your tort claim against the actual person who damaged your property is independent.