An insured commercial building valued at $500,000 sustains $100,000 in fire damage. Which of the following would NOT be automatically covered?

In property insurance, coverage often extends to various types of expenses directly related to damage incurred by an insured peril, such as fire. However, certain costs might not be automatically included in the policy coverage.

Pollution cleanup at a neighboring premises is typically not covered automatically under standard commercial property insurance policies. These policies generally focus on damage to the insured property and related expenses directly associated with restoring it. While the insured location would be covered for its own physical loss, liabilities or cleanup responsibilities for pollution affecting neighboring properties usually fall under separate liability policies or specific endorsements that are not part of the standard coverage.

On the other hand, costs like replacement of structural damage, fire department service charges, and temporary repairs during restoration are normally included in a commercial property policy. Replacement cost coverage would ensure the insured can rebuild without deducting depreciation, service charges for fire department responses may be included, and temporary repairs are often necessary to mitigate further damage, which is a common coverage feature. Thus, pollution cleanup at a neighboring premises is not automatically covered under the policy, making it the correct choice for this question.