Which one of the following losses would be covered under the standard fire policy?

The standard fire policy is designed to cover direct losses resulting from specific perils including fire, lightning, and, in some cases, certain types of smoke damage. Among the options presented, loss of property during a wildfire is relevant as a wildfire is considered a type of fire peril. Therefore, this loss would fall squarely within the coverage provided by a standard fire policy.

Other scenarios, while they may involve significant property damage, do not stem from fire-related causes that the standard fire policy is meant to address. Loss by theft, for instance, is not covered under such a policy, as it pertains to burglary rather than damage from fire. Damage from a falling tree is generally covered under policy provisions for falling objects, which may not be included in a basic fire policy. Lastly, water damage from a leaking roof typically falls under water damage coverage or a general liability policy and is also not included in the fire peril coverage. Thus, the correct choice indicates the alignment with the intended coverage of a standard fire policy, which prioritizes losses due to fire-related incidents.