Which claim would NOT be covered by a standard farm policy with endorsements?

A standard farm policy with endorsements typically provides a broad range of coverage for various perils that a farm may face, including fire damage and theft. Fire damage to the barn and theft of farming equipment are explicitly covered perils under most standard farm policies.

The collapse of the roof from the weight of snow and ice is often covered under a standard policy, particularly if certain endorsements for structural coverage are included. However, many standard policies can exclude damage caused by specific environmental factors unless additional coverage or endorsements are purchased. Thus, this scenario may not be covered if the standard farm policy does not address structural issues related to snow and ice accumulation.

Damage from pests, on the other hand, is typically not covered under a standard policy as it falls into a category that is often considered part of standard maintenance and management responsibilities of the policyholder. Insurers generally expect property owners to manage pest infestations, and damages arising from pests are usually excluded from coverage.

The correct answer indicates that while a collapse could be covered under certain endorsements, pest damage generally is not, as it is considered an exclusion in standard farm policies without additional coverage.