What action does not constitute an indirect loss?

The option that does not constitute an indirect loss is property damage due to fire. This is considered a direct loss because it pertains specifically to tangible assets being harmed or destroyed as a result of an event. In insurance terminology, direct losses refer to losses that are directly tied to physical damage or destruction of property, essentially representing a straightforward correlation between an insured incident and the resultant damage.

On the other hand, the other options illustrate cases of indirect losses. Revenue lost due to business interruption occurs as a secondary effect of a direct loss, where a business cannot operate as usual because of damage to its property. Similarly, loss of rental income from damaged property signifies that the owner experiences financial hardship indirectly following the damage to the rental property. Increased operational costs after a covered event represent additional expenses incurred due to the initial damage, also qualifying as an indirect loss. Each of these scenarios highlights how losses can extend beyond direct damage, impacting the financial aspects associated with the primary loss.