What qualifies as a natural peril?

Natural perils refer to events caused by natural phenomena that can result in damage to property or assets. The correct set of examples includes wind, lightning, and flood, as these are all occurrences that result from natural processes and are often covered by property insurance policies.

Wind can cause significant structural damage during storms or hurricanes, while lightning can lead to fires or direct destruction. Flooding, whether from heavy rainfall, melting snow, or other natural sources, can also cause extensive damage to homes and businesses. Insurers typically include these types of risks in their policies, recognizing them as natural perils.

In contrast, the other options involve risks that are either man-made or unrelated to natural phenomena. Fire could be caused by natural events but is often due to human action as well, such as faulty wiring or negligence. Theft and vandalism stem from criminal behavior. Cyber attacks and data breaches are entirely digital and not related to natural events, and human error and negligence pertain to mistakes made by people that lead to damage. Thus, the only option that purely reflects events caused by nature is wind, lightning, and flood.