Which of the following is an exclusion listed under common causes of loss exclusions?

• A. Theft of building materials, inventory shortage, or unexplained disappearance of farm personal property
• B. Fire
• C. Windstorm
• D. Breakage of glass

Answer: (A)

In property insurance, there’s a set of common causes of loss exclusions that spell out losses the policy won’t cover, regardless of other terms. The option describing theft of building materials, inventory shortage, or unexplained disappearance of farm personal property is that exclusion. It’s meant to bar coverage for losses arising from theft or accounting discrepancies, which are often handled separately through specific theft endorsements or inventory controls.

The other options—fire, windstorm, and breakage of glass—are typical perils that are either covered or addressed by separate coverage provisions, not exclusions in this section.