Which of the following is most likely covered by a Special Cause of Loss policy?

A Special Cause of Loss policy is designed to provide a broad range of coverage for various types of damage or loss to property. This type of policy generally covers all causes of loss except for those specifically excluded. The accidental discharge of water is typically included under such policies, especially since many homeowners insurance policies would cover water damage resulting from issues like burst pipes, accidental overflows from sinks, or other unforeseen circumstances.

In contrast, damage resulting from earthquakes may not be covered unless a separate earthquake endorsement is purchased, as this is commonly excluded from standard policies. Maintenance costs due to aging and normal wear and tear are also excluded under a Special Cause of Loss policy since insurance is intended to cover sudden and accidental damages rather than the gradual deterioration of property. Therefore, the inclusion of accidental discharge of water as a covered loss aligns with the typical coverage provided in a Special Cause of Loss policy, making it the most suitable answer to the question.