I had an analogous experience with another service Omni https://omni.co https://omni.co not too long ago. I rented out my drone as I wasn't using it too regular

I had an analogous experience with another service Omni https://omni.co https://omni.co not too long ago. I rented out my drone as I wasn't using it too regularly. I had confidence that their insurance policy would cover any damage by renters. I recently had my drone returned to me as I was planning to use it on an upcoming vacation. I did not bother to inspect the drone when they sent it back to me. A few weeks later, I decided to use it and realized there was scuffs, damage to the propellers, and that the camera gimbal was broken. A renter had crashed my drone. I contacted Omni to request details on filing an insurance claim. I got an email stating that I only had 48 hours after the item was returned to me to file a claim. Quite frustrating. I will definitely will be reading the details of these insurance policies in the future.