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Prerenal failure is primarily caused by factors that impair blood flow to the kidneys, leading to decreased perfusion and ultimately reduced glomerular filtration rate. Heart disease falls into this category because it can significantly affect the heart's ability to pump blood effectively. Conditions such as heart failure reduce cardiac output, which decreases the amount of blood reaching the kidneys. As a result, the kidneys do not receive adequate blood flow to maintain normal function, leading to prerenal azotemia.

The other options represent different types of issues. A blow to the kidneys would be a form of injury that directly affects renal tissue, indicating a renal (intrinsic) failure rather than prerenal failure. Kidney stones, while they can obstruct urinary flow, generally lead to postrenal failure rather than prerenal. A kinked ureter also causes obstruction, which is characteristic of postrenal failure, as it blocks the outflow of urine and results in back pressure on the kidneys. Therefore, heart disease is the only option directly associated with the factors that can cause prerenal failure through compromised blood flow.