Which type of loss would NOT typically include the cost of staying in a hotel after a house fire?

The correct response highlights that a direct loss pertains specifically to the physical damage or destruction of property, such as the structure of a home resulting from a fire. Direct losses typically involve the cost associated with repairing or replacing the damaged property itself, not the ancillary costs incurred as a result of that damage.

In the case of a house fire, the immediate losses would relate to the damage to the home's structure and its contents. Costs associated with temporary housing, like staying in a hotel, fall outside the scope of direct loss since they are not related to the actual property damage but rather to the expenses incurred while unable to reside in the damaged home.

Other types of loss include indirect loss, which encompasses the costs incurred as a result of the direct loss, such as hotel stays, and therefore would typically cover those temporary living expenses after a house fire. Real property refers to the physical property itself, and vandalism pertains to intentional damage or destruction of property, neither of which directly answers the question regarding the specific costs of temporary accommodation.