Accidental Damage Protection

Mountain Vacation Lodging (MVL) provides Accidental Damage Protection (ADP) for all reservations to reimburse property owners for damage caused by guests through inadvertent acts or omissions. For questions regarding coverage, call 1-800-985-8263.

Definitions

Coverage – The extent to which MVL will pay an Owner for Damage.

Damage – Any item within or portion of the Property which is altered, harmed, changed, broken, or rendered less than fully operative, purposeful, or of worth.

Guest – The group leader as well as any and all persons or pets occupying the Property as part of the reservation.

Guest Invitee – Any person or animal that accesses the property during the reservation period.

Long Term Rental – Any stay of 30 nights or more.

Owner – The Owner(s) of the Property, property managers, or HOA managers.

Property – The property being rented, inside and out, the grounds, and any non-common area elements.

Coverage Terms

  • Coverage Limit – The ADP has a maximum payout of $1,500.00.
  • Extent – MVL retains the sole authority to determine the extent of repairs or replacement necessary.
  • Effective Dates – The ADP takes effect on the date and time the guest arrives at the rental property, provided all payments have been made to Owner and MVL. The ADP terminates upon the normal check-out time of the scheduled check-out date or the actual date and time of departure, whichever is earlier.

What Is Not Covered

The ADP does not cover:

  • Theft of Guest or Owner belongings
  • Guest belongings or guest property
  • Damage caused by Guest Invitees
  • Natural disasters
  • Intentional, willful, or wanton conduct of a Guest or Guest Invitee
  • Gross negligence
  • Normal wear and tear
  • Loss of use of the Property
  • Damage in a Property occupied by more persons than the unit's occupancy limit
  • Damage when the Guest does not report the loss or damage to MVL and Owner
  • Damage when the Guest intentionally conceals or misrepresents any material fact or circumstance relating to the damage

Long Term Rentals

The ADP is not provided for any rental of 30 nights or more. For Long Term rentals, MVL recommends a refundable damage deposit paid to Owner by Guest prior to the commencement of the rental, and a separate lease agreement with appropriate terms and clauses to protect both parties.

Reporting Damage

Guest Responsibility – Guest must notify Owner and MVL of any damage, the nature and extent of any damage, as soon as possible after the damage occurs. Failure to report damage may void coverage and may increase Guest liability.

Owner Responsibility – Owner must notify MVL of any damage, the nature and extent of any damage, within 7 days of Guest departure.

Determination and Liability

MVL retains the sole and subjective discretion to evaluate the factors, events, and statements related to reports of damage, and how this should and will affect coverage for damage.

If MVL determines that damage is excluded from coverage, the Guest shall be fully liable for the costs to cover repair, replacement, and related expenses. Guest credit card may be charged immediately or after review, at the sole and subjective discretion of MVL.

General Terms

The ADP is intended to cover the cost of repairs and replacement of items damaged at the Property. MVL provides the ADP voluntarily as a benefit to Owner and Guest to avoid stress, animosity, resentment, or dispute over accidental damage. MVL retains any and all rights to define and determine the extent and nature of the ADP.

Parts or portions of these ADP Terms may be amended, updated, or altered without notice.