11 Types of Lost Baggage Coverage You Can Claim (What To File & How Much)

5. Damaged baggage claims

If your bag arrives damaged, airlines are generally responsible for repair or reimbursement when damage occurred under their control. At the baggage carousel, inspect your luggage and report damage to the airline before leaving the airport when possible. Take clear photos of the damage and get a written report from the airline. Airlines may offer to repair the bag, reimburse repair costs, or pay a depreciated replacement amount. For contents damaged because of the bag’s condition, document those items separately with photos and receipts. If you use travel insurance, submit the airline’s damage report along with repair estimates and receipts for damaged contents. Keep any damaged items available for inspection and do not discard them until the claim is settled unless the airline or insurer instructs you otherwise. Repair shops’ estimates can help quantify costs, but carriers may prefer their approved vendors or a standard depreciation schedule. Check carrier policies and insurer rules to know whether salvage or deduction rules apply.