Step 1: Concept Hardness is divided into temporary (carbonate) and permanent (non-carbonate) hardness.
Step 2: Meaning Temporary hardness is caused by the presence of dissolved bicarbonates of calcium and magnesium.
Step 3: Analysis Chlorides and sulfates of Ca/Mg cause permanent hardness. Sodium salts like $NaHCO_{3}$ do not cause hardness.
Step 4: Conclusion $Ca(HCO_{3})_{2}$ is the substance listed that causes temporary hardness.
Final Answer: (B)