Once the insurance adjuster is satisfied that you're not scamming them, they're often quite flexible and lenient.
replyI've only ever had luggage delayed once, they gave me a little bag of toiletries and a couple hundred bucks and a few days later delivered the luggage; never demanded the money back.
I've had luggage delayed many times relative to the amount I actually check luggage.
replyThere were a few insurance policy things that my adjuster pushed back on (no code upgrades) and there were a number of things that would have just been silly for me not to pay for when walls were being repaintedd and opened up. There was a fire inspector because of the size of the claim. But it was pretty reasonable overall--although of people wouldn't have had the available cash to do the whole job as it really needed o be done. And, given that a couple of contractors, saved my butt in the middle of the winter, I wasn't going to push back too hard.