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The Special Form is an open-perils policy, covering all causes of loss except those excluded. Basic and Broad Forms are named-perils only. Adjusters must evaluate whether the cause of loss falls under excluded categories to determine coverage under Special Form policies.

HIPAA protects health information privacy and regulates its disclosure. Adjusters must handle medical information in compliance with HIPAA when reviewing injury-related claims.

Comprehensive coverage (other than collision) pays for losses from theft, fire, vandalism, hail, or falling objects. Collision covers crashes with vehicles or objects. Liability pays for damages to others, while UM applies to uninsured drivers. Adjusters must classify the cause of loss properly to apply the correct coverage.

Replacement cost coverage pays the full cost to replace damaged property with new property of like kind and quality, without deducting depreciation. ACV deducts depreciation. Adjusters must confirm replacement cost endorsements before settling claims.

The DP-3 Special Form provides open-peril coverage for the dwelling and, with endorsement, for personal property. DP-1 and DP-2 are named-peril forms. Adjusters must check endorsements and form language to determine exact coverage scope.