What type of losses does the Special Causes of Loss Form typically cover?

The Special Causes of Loss Form covers losses that are not specifically excluded in the policy. This typically includes a broad range of risks associated with property damage, providing coverage for incidents such as theft, vandalism, and certain natural disasters, as long as they are not expressly listed as exclusions. This form contrasts with more limited forms of insurance that cover only specified perils, like fire or flood. By focusing on the inclusivity of the coverage—rather than a predefined list of perils—the Special Causes of Loss Form ensures that a wider array of potential losses is protected, which is beneficial for policyholders looking for comprehensive risk management.

The other options are more restrictive in nature, such as focusing solely on fire-related losses or defining coverage based on the location of losses, which does not encapsulate the broader intent of the Special Causes of Loss Form.