In addition to costs you can't recover, there are the costs you might incur if you are stuck somewhere you didn't plan on. Many trip costs are refundable if something like a hurricane messes up your trip, but if you have to stay someplace other than home longer than expected, you're on your own. Most of my claims have been for hotels/meals/car rental when I've been stuck en route due to my home airport being closed due to something like a blizzard.
