Which one of the following is an example of a fortuitous loss?

Which one of the following is an example of a fortuitous loss? 




A. Insureds intentionally set a fire and burn their house down.
B. An insured demolishes a deck that has been allowed to rot.
C. An unknown vandal spray-paints graffiti on the insured's garage.
D. The value of an insured's home decreases due to a lack of maintenance.



Answer: C. An example of a fortuitous loss is when an unknown vandal spray-paints graffiti on the insured's garage.

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