When Delta Air Lines Inc. lost Andrew Shipman’s Tumi leather rolling bag, he had no idea how costly it would be. Even though he had receipts for recently purchased clothing totaling $1,433, Delta still chopped $645 off his claim, citing “depreciation for prior use.”

The hassle was eye-opening. “I was not aware of all the issues that you run into in these situations,” says Mr. Shipman, a mutual-fund portfolio manager.

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