One thing that an adjuster is not able to negotiate about is policy coverage limits, exclusions, and policy language itself, as adjuster must apply policy as written and cannot change coverage that was purchased, even if claimant wants more. For example, if policy has 100,000 dollar limit for dwelling and damage is 150,000 dollars, adjuster cannot negotiate to pay beyond 100,000 limit, limit is contractual maximum, similar to physical limits of storage unit size. Adjuster also cannot negotiate about whether loss is covered if policy clearly excludes it, like flood excluded in standard homeowners policy, adjuster cannot agree to cover flood just to settle, as that would violate policy contract. Adjuster cannot negotiate about policy effective dates, if loss occurred before policy started or after it lapsed, no coverage. Adjuster also cannot negotiate about statutory requirements and building codes beyond what policy covers, though some policies have code upgrade coverage. While adjuster can negotiate about value of damages, repair costs, and pain and suffering in bodily injury claims, they cannot negotiate about coverage existence and limits, which are set by policy contract and state law. So one thing adjuster cannot negotiate is policy limits and exclusions, they must enforce policy as written, even if they want to be generous, they lack authority to rewrite policy, similar to technician cannot change HEPA filtration specs beyond manufacturer rating.
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