Hurt at an Airbnb or Vrbo in Miami? Maybe it was a loose balcony rail, a slick pool deck, or a hidden step-down in a dim hallway. Suddenly you’re dealing with medical bills, a ruined trip, and a ton of stress.
Stabinski Law helps injured guests figure out who’s responsible and what insurance actually applies. Free consultations. No fee unless we recover. Bilingual support (English/Español). Reach out anytime.
If You Were Hurt at an Airbnb or Vrbo in Miami, Start Here
You should know exactly what to expect when you call us:
- You speak with an attorney, not a call center rep.
- We ask targeted questions and map out real options in plain English.
- We move fast to protect evidence before the next guest checks in.
- No upfront costs — our fee only comes from a successful recovery.
Ready to get answers?
Who May Be Liable for a Vacation Rental Injury?
Multiple parties can share responsibility. Our team finds out who had control, who had notice, and what coverage applies.
Property Owner / Host
Property owners and hosts are responsible for maintaining a reasonably safe environment. This includes ensuring stable railings, adequate lighting, dry walking surfaces, and handrails. If there is a hazard that cannot be fixed immediately, they must provide warnings. If they were aware of a danger or should have been, and did not take action to address it, they may be held liable for any resulting incidents.
Property Management Company
Many vacation rentals in Miami depend on professional managers for inspections, maintenance, and enforcement of house rules. Their contracts usually outline specific responsibilities. If an inspection is missed or work orders are neglected, resulting in harm, we need to examine the manager and their commercial general liability coverage.
HOA or Condo Association
Common areas such as pools, elevators, hallways, stairwells, and garages are usually managed by the association. If issues like a broken pool gate, a puddled lobby, or a poorly lit stairwell result in an injury, the association and its insurer could be held responsible.
Contractors and Vendors
Deck builders, electricians, pool services, and cleaners can introduce risk. If shoddy workmanship or careless service created the hazard, we pursue that party and their insurer.
The Platform (Airbnb/Vrbo)
While platforms may not control daily operations, their policies and protections are significant—especially when it comes to coordinating claims and documenting communications. We assist you in using the platform effectively without compromising your case.
What to Do Right Now (Your Quick Checklist)
Document the Scene
- Take wide + close photos/videos from multiple angles
- Capture lighting, weather, warning signs, and cameras
- Keep your shoes and clothing (helps with slip-and-fall claims)
Get Information
- Unit number, building name, HOA/condo details posted onsite
- Host/manager name + contact info
- Witness names + contact info
Report Strategically
- Notify the host/manager to create a record
- Keep messages factual and short
- Avoid recorded statements
Save Your Platform Messages
- Booking confirmation, receipts, house rules, check-in instructions
- All in-app chats
- Screenshot everything and back it up
Get Medical Care
- Get checked out even if you feel fine
- If you’re heading home soon, schedule follow-ups now
Insurance Coverage
One of the biggest challenges in vacation rental cases is figuring out how platform protections overlap with traditional insurance. Airbnb and Vrbo offer certain programs, but they don’t replace real liability coverage — and the gaps can be huge.
The Coverage Stack
- Platform protections (e.g., Airbnb AirCover): Helpful, but limited. Exclusions apply to things like mold, bed bugs, communicable diseases, intentional acts, and many structural hazards.
- Host/homeowner or landlord policy: Some policies cover guest injuries. Many exclude short-term rentals entirely.
- Property manager’s CGL: Applies when the manager is responsible for inspections, safety, or repairs.
- HOA/condo master policy: Covers incidents in common areas like pools, elevators, hallways, garages, or stairwells.
- Umbrella/excess policies: Extra protection if primary policy limits fall short.
Beyond identifying which policies apply, the tricky part is how these coverages interact. Many short-term rentals rely on a mix of homeowner, landlord, manager, and HOA policies, each with different notice rules, exclusions, and definitions of what counts as a covered “accident.”
Platform protections like AirCover may help fill gaps, but they’re secondary and come with strict reporting requirements. A big issue we see in Miami cases is homeowners policies denying claims because the property was used as a vacation rental, forcing the claim into manager or platform coverage instead. Sorting through these layers early helps prevent delays, missed deadlines, and insurers pushing responsibility onto each other.
Stabinski Law pushes for the full value of your claim and doesn’t let insurers get away with lowball offers. We build a strong liability story, document every part of your damages, and negotiate from a position of strength. If an insurer won’t deal fairly, we’re ready to take the case further and fight for what you truly deserve.
Common Miami Vacation-Rental Hazards We See
Many of these hazards tie back to underlying property defects, which can turn a simple rental stay into a dangerous situation if owners or managers don’t address them.
Pools & Hot Tubs
- Smooth tile
- Missing mats
- Inadequate lighting
- Broken or missing handrails
- Poor maintenance
Balconies, Decks & Stairs
- Loose fasteners
- Corroded rails
- Rotted wood
- Wrong-height railings
- “Temporary fixes” like tape or quick warning notes
Carbon Monoxide & Electrical
- Faulty appliances
- No working CO detectors
- Aging or overloaded wiring
- Loose outlets
Security & Access Control
- Broken locks
- Poor lighting
- Gaps in access control
- Prior incidents ignored
Inside the Unit
- Hidden step-downs
- Loose rugs
- Wobbly stools
- Unsecured furniture
- Bed bugs
Tourists & Out-of-State Visitors: We Make It Easy
People choose Stabinski Law because we make a complicated situation feel manageable, no matter where you live or where the injury happened. Our team handles every part of your Miami-based claim while keeping you updated and in control. Insurers negotiate differently when they know a firm is genuinely prepared to take a case to trial, which is why we build every claim with a trial-ready approach from day one. You also get direct access to an attorney, clear communication, and the benefit of a long-standing Miami team that knows the local courts, property standards, and insurers inside and out.
We’ve represented injured individuals across South Florida for decades, including many visitors who were hurt while traveling, and we can discuss outcomes in similar cases within ethical limits. Throughout the entire process — from investigation to negotiations — we keep you informed so you always understand what’s happening and why.
What Sets Us Apart?
Ready for Trial if Needed
We are fierce trial attorneys who know how to confidently litigate cases in front of a judge and jury.
Can Handle Every Stage of a Legal Matter
We can walk you through each step of your case, from the initial consultation all the way to a trial, if necessary.
Resolve Most Cases Without a Trial
As skilled attorneys, we are often able to help our clients avoid a costly trial while delivering positive results.
Offer Accessibility and Services 24/7
We are never too busy to speak with you or address your concerns.
What Your Case May Be Worth (And What Can Impact It)
Every case is different, but the value of a vacation rental injury claim usually includes both economic losses and the impact of the injury. Economic losses cover things like emergency treatment, imaging, physical therapy, prescriptions, and any future medical care you may need. They also include financial disruptions such as lost wages, reduced earning capacity, travel change fees, and other out-of-pocket expenses tied to the incident.
Pain and suffering captures the day-to-day effects of the injury — ongoing pain, limited mobility, sleep problems, missed experiences, and how the injury affects your work, relationships, and overall quality of life. These non-economic damages often make up a significant portion of a claim.
Several factors can influence the final value of your case, including clear safety or code violations, past complaints about the same hazard, and whether the owner or manager ignored needed repairs. Strong documentation can also make a major difference in proving what happened and securing full compensation.
Want a clearer picture of your case value?
FAQs
Can I sue Airbnb or Vrbo directly?
It depends. Most claims focus on the property owner/host, property manager, HOA, or contractors and their insurers. Platform policies can still affect the path—ask us how.
What if the host’s homeowners policy excludes short-term rentals?
We look to other coverage: landlord policies, the manager’s CGL, HOA master, and umbrella/excess. Coverage can be layered—coordination matters.
What if I’m partly at fault?
You may still recover, reduced by your share of responsibility. We emphasize property-side failures, notice, and foreseeability.
Do I need to report the injury in the app?
Yes—briefly and factually. Avoid recorded statements. Call us first if you can.
What if I already went home?
No problem. We handle the Miami logistics while you continue care at home. Communication is by phone, email, or secure portal—your choice.
How much does it cost to hire you?
Nothing upfront. We work on contingency—no fee unless we recover.
How long will my case take?
It varies with medical recovery, evidence, and insurer response. After reviewing your facts, we’ll provide a realistic timeline.
Speak With a Miami Vacation Rental Injury Lawyer Today
If you were hurt at an Airbnb or Vrbo in Miami, you don’t have to figure this out alone. Our vacation rental liability injury lawyers handle the evidence, the insurers, and the legal strategy so you can focus on getting well. Call Stabinski Law or send a message for a free, friendly consultation. No fee unless we recover.
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