If an insured commercial building valued at $500,000 sustains $100,000 in fire damage, which of the following could NOT be covered automatically?

The correct choice highlights an important aspect of typical insurance coverage that may not be automatically included. Fire department charges for water damage can often require separate coverage or might not be included in standard policies without specific endorsements. While fire damage from an incident may be covered, the specific costs associated with services rendered by the fire department, such as their charges for extinguishing the fire or mitigating further damage, are not generally covered automatically in a commercial property insurance policy.

The other items mentioned in the choices frequently fall under typical coverage scenarios. Repair costs for physical damage, such as the repairs needed for the fire damage, are generally covered as part of the policy. Replacement costs for smoke damage would also typically be included if the fire caused smoke damage, as these types of damages are usually addressed within the fire loss coverage. Loss of rental income during repairs can be covered under business interruption insurance or similar provisions that protect the insured's income when the property cannot be used due to a covered event.