Which of the following is NOT one of the standard exclusions of fire peril?

The choice identified as not being one of the standard exclusions of fire peril correctly aligns with the context of typical fire insurance policies. Standard exclusions generally pertain to specific types of risks that are not covered under fire insurance. Fire peril exclusions aim to clarify what situations or causes do not fall under the protection provided by such policies.

The application of heat is generally excluded because it implies intentional actions that could result in fire, such as welding or using a blowtorch. Contamination by radioactive materials is another standard exclusion due to the highly specialized and unpredictable nature of this risk, which insurance typically avoids owing to the potential for extensive and unforeseen damage. Electrical currents, or surges, are also excluded because they can lead to damage not directly related to fire but rather to the malfunctioning of electrical devices.

Wind damage, however, is not typically excluded from fire peril. In fact, wind can be a contributing factor that spreads fire, especially in wildland fires, and insurance policies may actually cover the fire damage caused by wind under certain conditions. Thus, wind damage is consistent with areas where fire peril may apply rather than being a standard exclusion. This context helps to clarify why the identified option is correct and why it aligns with typical insurance policy terminology and coverage.