How many Dwelling cause of loss forms exist?

The correct answer is that there are three Dwelling cause of loss forms. These three forms are designed to provide different types of coverage based on the needs of the insured. They include:

1. The Basic form, which covers specific named perils.

2. The Broad form, which extends the coverage to additional risks beyond those in the Basic form.

3. The Special form, which typically provides the most comprehensive coverage, covering risks unless specifically excluded.

Understanding these forms is crucial for an insurance adjuster as they determine the scope of coverage available to policyholders and affect claims handling. Each form also has different implications for both premiums and the types of losses covered, making it important for adjusters to know which form applies in various situations.