Ohio's Real Estate Recovery Fund compensates consumers for:

A is incorrect because property damage is typically covered by property insurance policies, not the Real Estate Recovery Fund. The fund addresses financial losses from human actions, not physical damage to property.

C is incorrect because market value decreases are normal market fluctuations beyond a licensee's control. The Recovery Fund doesn't protect against economic conditions or changes in property values.

D is incorrect because closing costs are standard transaction expenses that are disclosed and agreed upon by parties. The Recovery Fund doesn't compensate for these expected costs.