Which of the following losses is covered by the Homeowners Comprehensive Form (IBC 1155)?

The Homeowners Comprehensive Form (IBC 1155) provides extensive coverage for a wide range of perils related to personal property and dwelling, including specific instances of damage. Smoke damage from a fireplace falls within the scope of coverage offered by this policy because it is classified as direct physical loss to the property resulting from perilous events, specifically those related to fires.

This type of damage typically occurs due to the operation of the fireplace and is, therefore, not considered wear and tear or general maintenance issues, which can lead to misunderstandings about coverage. The homeowners policy is designed to protect against unexpected or accidental losses, and smoke damage is a direct outcome of a covered peril, thus rendering it eligible for coverage under the IBC 1155.

In contrast, other options involve types of damage that are generally not covered. Wear and tear, for instance, is categorized as a maintenance issue rather than an insurable event. Similarly, damage from earthquake and pest infestations may require additional specialized coverage or endorsements, as standard homeowners policies often exclude these risks.