Which of the following is NOT negotiable between the public adjuster and the insurance adjuster when negotiating a loss?

The cause of loss is a factor that is generally established based on the terms of the insurance policy and the factual circumstances surrounding the claim. It refers to the event or series of events that led to the damage or loss, such as fire, flood, or theft. Insurers typically evaluate the cause of loss based on policy language and coverage limitations, which are predetermined and cannot be altered through negotiation.

In contrast, other aspects such as the amount of the claim, type of coverage, and deductible amount may be subject to negotiation during the claims process. Adjusters from both sides can discuss and sometimes settle on different values for the claim amount, review the scope of coverage options, and address deductible amounts based on the details of the situation and the policy.

Thus, the cause of loss remains a fixed, objective fact that cannot be changed through negotiations, making it the correct choice for the question.