Which of the following is not covered under the Utility Services-Time Element endorsement?

The Utility Services-Time Element endorsement is designed to cover certain financial losses sustained by a business due to interruptions in utility services. This endorsement typically includes coverage for loss of income that results from such interruptions and related expenses incurred while trying to restore operations.

Focusing on why the correct choice is the answer, damage to the insured's property caused by a utility service disruption is typically covered under a property insurance policy rather than the specific Utility Services-Time Element endorsement. This endorsement generally does not extend to direct damage to property. Instead, it focuses on the income loss and extra expenses incurred as a consequence of that disruption.

The other options indicated (loss of income due to utility service disruption, repairs made to utility service lines, and costs related to alternative utility arrangements) are typically private, permissible claims under this endorsement. Loss of income is a primary focus because it reflects the financial impact of an outage. Repairs made to utility lines or alternative arrangements may also fall under strategies to mitigate the loss but are usually not covered directly by this specific endorsement.