I've had luggage delayed many times relative to the amount I actually check luggage.

There 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.