<blockquote id="quote" class="ffs">quote:Originally posted by jmack
I am a U.S. insurance broker. In insurance terms an "Act of God" as you described would be a covered peril under most DP3 policies which most of the STR policies are written. Some can be endorsed to cover the "loss of use" coverage that would pay the owner of the property for loss of rents due to a covered peril (windstorm). So, if the house was damaged and unrentable for a period of time the owner could potentially recover from his own STR policy. Most STR policies have high hurricane deductibles so the down period would have to be a longer time period in order for the loss to exceed the deductible. There is no source of recovery for the renter through the owners STR policy.

The only recourse for the renter would be to try and work something out with the owner or Travel Insurance. I am not real familiar with travel insurance so my advice would be to read the policy for the exclusions which I am sure are many. Hope this helps.
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Only over and above the hurricane deductible figure though which is incredibly high in most policies and would still most likely result in the owner payng for most minor repairs.


Lesley