The following are examples of indirect damage losses, except one. Pick the exception.

In the context of indirect damage losses, it is important to differentiate between direct and indirect losses. Indirect losses stem from a primary loss event but do not result from the immediate impact of that event. They often relate to consequential damages that arise as a secondary effect.

The scenario involving water damage from firefighters when putting out a chimney fire is considered direct damage. This is because the firefighters' actions are directly related to controlling and extinguishing the fire, making the water damage an immediate consequence of the fire incident rather than an indirect loss that arises subsequently.

In contrast, the other examples illustrate indirect damage losses. For instance, the loss of food in the freezer due to an electrical failure (caused by a lightning strike) is an indirect loss resulting from the primary loss of electricity. Similarly, smoke damage from overcooking food is a consequence that arises from the (direct) action of cooking but is interpreted in terms of the subsequent effects on property. Water damage from a sprinkler system activated by an explosion clearly arises as a side effect of the explosion itself, thus being classified as indirect.

Understanding these distinctions helps clarify what constitutes direct versus indirect losses in the insurance context, which is critical for evaluating claims and coverage scenarios.