Which coverage allows for expenses incurred by the fire department in response to an insured event?

The correct choice is associated with the Fire Department Service Charge, which is a specific type of coverage included in many homeowners and property insurance policies. This coverage is designed to reimburse the policyholder for expenses incurred due to the fire department's response to an incident at their property. For instance, if a fire department responds to a fire or other emergency at the insured location, the policy can cover the fees charged by the fire department for their service, within the limits specified in the policy.

This type of coverage is particularly beneficial as it alleviates the financial burden on homeowners who may need to pay out-of-pocket expenses for such emergency services, which can otherwise be quite costly. The coverage typically includes a set limit and may require a specific deductible, depending on the terms of the insurance policy.

Other types of coverage listed in the question do not typically address this specific need:

• Ordinance of Law coverage generally pertains to costs associated with rebuilding or repairing a structure to comply with current building codes following a covered loss.

• Building Additions coverage usually offers protection for newly added structures or improvements to existing ones but does not include costs incurred from emergency responses.

• CC Fraud likely pertains to criminal or fraudulent activities that lead to a loss but would not cover fire department charges