What would not typically be a cause for a homeowners policy claim?

A homeowners policy is designed to protect against specific risks, commonly termed "perils," associated with owning a home. Various causes can trigger claims under such a policy, such as falling trees, vandalism, and theft, as they are sudden and accidental events that cause damage to the property or loss of personal belongings.

Wear and tear, on the other hand, refers to the gradual deterioration or depreciation of a home and its components due to regular use and aging. This natural process is not considered a sudden event that is covered under a typical homeowners policy. Insurance policies generally exclude damage resulting from maintenance issues, neglect, or normal aging, as these types of damages can be anticipated and are the homeowner's responsibility to address.

Given this context, wear and tear would not typically result in a claim under a homeowners policy, distinguishing it from the other options that can be attributed to unforeseen incidents warranting coverage.