Alan’s lawn mowers were consumed by a sinkhole. Under which Causes of Loss form(s) would they be covered by his commercial property policy?

The coverage of Alan's lawn mowers consumed by a sinkhole is best addressed under the Broad and Special Forms. This is due to the nature of sinkholes and how they are treated in insurance policies.

The Broad Form extends coverage beyond the Basic Form by including additional perils, and while the Basic Form covers only specified perils, it typically excludes sinkholes, which are considered catastrophic events. The Special Form, on the other hand, operates on an "all risk" basis, which means it covers all perils that are not specifically excluded. Thus, it would provide the necessary comprehensive coverage for damages caused by a sinkhole.

In summary, the combination of the Broad and Special Forms ensures that Alan's lawn mowers are covered for their loss due to the sinkhole, capturing the broader range of risks associated with property damage.