Insurance under O.A.P. 1 Owner's Form, Section 7, Loss or Damage Coverages, is usually subject to a deductible. It does not apply to damage caused by:

This section of the Owner's Form in O.A.P. 1 refers to coverage for loss or damage to the insured's vehicle. A deductible is an amount that the insured is responsible for paying before insurance coverage kicks in. This allows for a shared risk between the insurance company and the insured. The choices of windstorm, explosion, and vandalism are all examples of events that may cause damage to the insured's vehicle and would be covered under this section. However, fire is specifically excluded from this section, meaning any damage caused by a fire would not be covered and the insured would not have to pay a deductible. So, the correct answer is D.