In which situation would a Standard Fire Policy likely pay a claim?

A Standard Fire Policy is designed to cover direct physical loss or damage caused by specific perils, primarily fire. This type of insurance typically includes coverage for losses occurring due to fire, lightning, and in some instances, explosion.

In the scenario where a porch burns down during a BBQ, the cause of the loss is a fire, which falls squarely within the purview of what a Standard Fire Policy is designed to cover. The ignited flames that lead to the damage of the porch would be a covered peril under such a policy, assuming it meets any specific policy conditions or exclusions.

The other situations mentioned do not align with the coverage provided by a Standard Fire Policy. Damage from a flood falls outside of fire-related damages and would require separate flood insurance. Stolen electronics from a store typically involve coverage under a theft policy rather than a fire policy, and damage from a roof leak is more likely related to wear and tear or water damage, which is also not covered by a Standard Fire Policy. Overall, the nature of the fire-related loss directly aligns with the coverage intended by the policy in the case of the porch burning down.