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

Maximum payout: $1,500.00
Coverage scope: ADP covers only the rental property and items within the Property which belong to the Property or Owner, not Guest belongings
Authority: MVL retains sole authority to determine the extent of repairs or replacement necessary
Long-term rentals: 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

Coverage Effective Dates

ADP takes effect on the date and time the guest arrives at the rental property, provided that all payments have been made to Owner and MVL. ADP terminates upon the normal check-out time of the scheduled check-out date or the actual date and time of departure of the guest, whichever is earlier.

Exclusions

ADP may not cover loss or damage due to:

Natural Disaster
Intentional, willful, or wanton conduct of a Guest or Guest Invitee
Guest intentionally concealing or misrepresenting any material fact or circumstance relating to Damage
Gross negligence
Normal wear and tear
Loss of use of the Property
Guest property or Guest belongings
Damage caused by Guest Invitees
Damage in a Property occupied by more persons than the unit's occupancy limit
Any cause, if Guest does not report the loss or Damage to MVL and Owner
Theft of Guest or Owner belongings

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 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, 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.

About This Policy

ADP is provided by MVL voluntarily as a benefit to Owner and Guest so as 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.