Under the causes of loss form, which item is treated as a Special Form coverage item?

Under the causes of loss form, which item is treated as a Special Form coverage item?

• A. Ordinance or law
• B. Breakage of glass
• C. Weight of ice
• D. Water damage

Answer: (A)

Ordinance or Law is treated as a Special Form coverage item because the Special Form (open perils) includes not only a broad list of covered perils but also certain built‑in coverage items that are not themselves perils. Ordinance or Law provides coverage for the increased costs to repair or rebuild to comply with current building codes after a loss, and it’s included as part of the Special Form’s broader coverage package rather than as a specific peril. The other options—breakage of glass, weight of ice, and water damage—are specific perils or loss scenarios that are typically addressed as named perils or under standard exclusions and endorsements, rather than as a separate Special Form coverage item.

Ordinance or Law is treated as a Special Form coverage item because the Special Form (open perils) includes not only a broad list of covered perils but also certain built‑in coverage items that are not themselves perils. Ordinance or Law provides coverage for the increased costs to repair or rebuild to comply with current building codes after a loss, and it’s included as part of the Special Form’s broader coverage package rather than as a specific peril.

The other options—breakage of glass, weight of ice, and water damage—are specific perils or loss scenarios that are typically addressed as named perils or under standard exclusions and endorsements, rather than as a separate Special Form coverage item.