What event would NOT usually trigger claims under a homeowners insurance policy?

Normal wear and tear is a common occurrence that homeowners experience over time and is inherently part of owning a home. A homeowners insurance policy is designed to protect against sudden and accidental incidents that cause damage to the property, which means it generally covers events like fire damage, earthquake damage, and damage caused by falling trees. These events are considered unexpected and can lead to significant repair costs.

In contrast, normal wear and tear refers to the gradual deterioration of a property due to age and everyday use. This includes things like faded paint, worn carpets, or a roof nearing the end of its lifespan. Insurance policies typically exclude claims related to normal wear and tear since these types of damages do not result from a distinct, unforeseen incident. Instead, they are anticipated outcomes of owning and maintaining a home. Thus, claims arising from normal wear and tear would not be covered under a homeowners insurance policy, making it the correct answer.