My Airbnb host claims I damaged something I didn't — how do I answer in time and stop the charge? First, the clock: you have 24 hours from the host's Resolution Center request to respond, and silence lets the host involve Airbnb. Second, the split: normal wear and tear is not covered at all, pre-existing damage cannot be billed as new, and cleaning counts only above the fee you already paid. Third, the order: Resolution Center response first, post-charge appeal second, card dispute only after Airbnb's process ends. Answer three questions and get your route, your evidence demands, and your deadlines computed from your dates.
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An Airbnb damage dispute has three clocks, and they belong to three different parties. Confusing them is how guests lose: answering on the host's clock when their own clock already ran out, or filing a chargeback while the Airbnb case is still open. Every clock below is named beside the party it binds.
| Clock | Whose clock | The rule |
|---|---|---|
| Guest response: 24 hours | Yours | From the host's Resolution Center reimbursement request arriving, you have 24 hours to respond. Pay in full and the request closes; pay partially, decline, or do not respond, and the host may involve Airbnb. |
| Host pursuit: 14 days | The host's | Within 14 days of your checkout, the host must pursue you for the amount and notify Airbnb — a Resolution Center request satisfies this. Within 30 days of checkout the host must file the formal Host Damage Protection form with evidence. |
| Resolution Center window: 60 days | Both sides | Requests may be submitted up to 60 days after checkout. For damage claims the tighter 14-day host step is the one that matters first. |
| Post-charge appeal: 60 days | Yours | After Airbnb charges your payment method, you have 60 days to appeal. Airbnb states you are never charged without advance notice and a chance to appeal before and after being charged. (Not for stays in China, Japan, or India.) |
| Card fallback: 60 days from statement | Yours, last resort | Credit: FCBA written billing-error notice within 60 days after the statement showing the charge was transmitted. Debit: Regulation E error notice within 60 days after the statement on which the error first appears was sent. Only after Airbnb's process ends. |
Airbnb's host page draws the line in one sentence: Host damage protection does not cover damage from normal wear and tear. Its Terms say the same thing in legal language, excluding degradation over time due to use, age, or lack of maintenance. A scuffed floor, a faded towel, a light mark from ordinary use is the host's cost of hosting. A broken item, a stain beyond the cleaning fee, or damage a guest actually caused is a different claim — and even then the host must prove it with dated before-and-after photos and an itemized invoice, not a lump sum. Cleaning has its own trap: normal check-out tasks (laundry, dishes, trash removal) are excluded outright, and unexpected cleaning counts only in excess of the cleaning fee you already paid. A cleaning charge that re-bills the standard clean is not a damage claim at all.
Respond inside the Resolution Center first, item by item, with your check-in and check-out photos attached and the evidence you are demanding named. If Airbnb Support gets involved, it decides from the host's evidence and your initial response notes — so your first response is the record, and moving the argument to text messages or email takes it somewhere Airbnb cannot review. If Airbnb charges you anyway, appeal inside the 60-day window. Only when Airbnb's process ends do you go to your card issuer, in writing, under the clock that fits your card. Filing a chargeback first, while the Airbnb case is still open, can conflict with the case you are trying to win.
No "before the next guest checks in" filing deadline: secondary guides repeat it, but it was not found in Airbnb's help pages or its Host Damage Protection Terms, so this tool never states it as a rule — it appears only as a practical evidence point, because a new occupant makes it harder to prove which stay caused the damage. No 72-hour guest response window: Airbnb's own guest and host pages both say 24 hours. No payout timing, no security-deposit hold timing, no success rate, no Airbnb phone number: none was verified on airbnb.com for this build. No card-scheme day-count: ask your issuer in writing. This is a different claim from a cancelled or non-refundable stay — the travel booking dispute checker covers non-refundable hotel charges and who took your payment; this checker covers a host claiming you damaged the place.
The response scripts, the photo evidence pack, the wear-and-tear examples, the late-host-request argument, and the card fallback in full — with the checker above the fold.
Sources (verified November 3, 2026, on airbnb.com): Airbnb Help Center, "Getting charged for damage" (airbnb.com/help/article/1415, guest side) for the 24-hour response, pay-in-full closes, partial/decline/no-response lets the host involve Airbnb, Support deciding responsibility and reasonableness, never charged without notice and appeal chance, and the 60-day post-charge appeal (not for China, Japan, India stays); Airbnb Help Center, "Host damage protection" (airbnb.com/help/article/279, host side) for the $3 million cover, the wear-and-tear and normal check-out cleaning exclusions, and the 14-day Resolution Center filing step with 24-hour guest response; Airbnb Host Damage Protection Terms (airbnb.com/help/article/2869, last updated August 1, 2026) sections 3.1.2–3.1.3 (14-day host pursuit via Resolution Center), 3.3 (30-day formal form with Legitimate and Verifiable Evidence), 6.3.6 (cleaning only in excess of the cleaning fee), 6.4.7 (degradation over time excluded), and 2.5 (not insurance); Airbnb Help Center, "When to use the Resolution Center" (airbnb.com/help/article/767) for the 60-day Resolution Center window; Fair Credit Billing Act (15 USC 1666) and Regulation E (12 CFR 1005.11) for the card fallback clocks. Deliberately not claimed: no "before the next guest checks in" deadline (not found on airbnb.com), no 72-hour response figure (Airbnb's own pages say 24 hours), no payout or deposit-hold timing, no success rate, no Airbnb phone number, no card-scheme day-count. Your booking terms and your card agreement are the final word.