Why was Theresa unsuccessful in persuading her adjuster to cover part of the flood damage?

The reason Theresa was unsuccessful in persuading her adjuster to cover part of the flood damage lies in the nature of the policy's coverage, which is stated to be non-negotiable. This means that the terms and conditions set forth in the insurance policy clearly outline what is covered and to what extent. In insurance, particularly for specific perils like flood damage, policies often have limitations and exclusions that are strictly adhered to by adjusters. Therefore, regardless of Theresa’s arguments or requests, the adjuster is bound by the terms of the policy, and any coverage decision must align with what is contractually mandated.

Having a non-negotiable policy means the adjuster cannot alter the agreement based on discussions or negotiations, making it critical for the policyholders to fully understand their coverage limits and provisions when seeking assistance for claims. This emphasizes the importance of reviewing policy details before filing a claim, as once a claim is initiated, the adjuster will rely solely on the established terms in making determinations about coverage.