Under which Causes of Loss form would Alan’s mowers be covered if consumed by a sinkhole?

In the context of insurance coverage, the distinction between the different Causes of Loss forms is crucial for determining what specific perils are covered. The Broad and Special forms offer more comprehensive protection compared to the Basic form, particularly when it comes to peril coverage.

Sinkholes are typically classified as a type of earth movement and are often covered under the Broad and Special forms but may not be included in the Basic form, which generally provides a more limited range of coverage. The Basic form usually covers risks such as fire, lightning, and windstorm but excludes more complex perils like sinkholes.

The Broad form expands coverage to include additional perils, such as falling objects and the weight of snow or ice, and explicitly includes certain types of earth movement, which would encompass damages from a sinkhole. The Special form takes this a step further by providing coverage for all risks except those that are explicitly excluded, thus covering sinkholes unless specifically stated otherwise.

Therefore, Alan’s mowers would indeed be covered if consumed by a sinkhole under the Broad and Special forms, as they effectively encompass the risk posed by such an event, illustrating the enhanced coverage they provide compared to the Basic form.