I had a similar experience to your last one. I was in a small house fire in a shared Airbnb. I left immediately. Airbnb wouldn’t compensate me because I didn’t take photos and the host claimed nothing had happened. (I was honestly too shaken to even think I would need evidence.) They gave me a $200 voucher which didn’t cover the time left in my stay.

It is partially my fault for not getting evidence, but you’d think they would do more for somebody who, like you, has spent an awful lot of money on Airbnb.

Unfortunately they often have the best apartments available in a city. I do still use them, but I’ll search alternate sites first.