Which of the following does NOT trigger a deductible payment?

A deductible is the amount an insured is responsible for paying out-of-pocket before an insurance company will cover the remaining costs of a claim. In the context of the question, certain types of losses are more likely to trigger this deductible.

Direct losses refer to damages that impact physical property directly, such as damage from a fire to a home. In this case, the policyholder would typically have to meet their deductible before any insurance payment is made for repairs.

Indirect losses, however, do not typically trigger a deductible payment in the same way. Indirect losses often result from a direct loss and can include loss of income or additional living expenses while a property is being repaired. Since these do not involve direct damages to the property itself but rather stem from the consequences of a direct loss, they often bypass the deductible requirement.

Partial losses affect a portion of the insured property and would generally trigger the deductible, as it still involves a claim on the physical loss. Sustained losses can also represent ongoing damage that occurs over time and are subject to the same deductible rules as direct and partial losses.

Understanding the differentiating factors between these types of losses is crucial for knowing how deductibles apply within the context of property and casualty insurance.