Which of the following is considered an uninsurable loss?

Damage caused by vermin is considered an uninsurable loss primarily because insurance companies often exclude pests and vermin from coverage due to the nature of such damage. These types of losses generally arise from neglect or poor maintenance, making them difficult for insurers to underwrite. For instance, damage caused by rodents or insects usually involves prolonged exposure and can often be prevented with regular maintenance or pest control measures.

In contrast, the other types of losses—fire damage, wind damage from storms, and breaking and entering theft—are typically insurable risks. These events can be sudden and accidental, fitting the criteria that insurers use to determine coverage. Fire and wind damage result from specific external phenomena, while theft is a risk that insurers can predict and, thus, manage through underwriting and premium adjustments.