Which of the following would be a covered event under a Special Cause of Loss policy?

A Special Cause of Loss policy is designed to provide broad coverage for various types of damage or loss to property, typically covering most risks that are not specifically excluded. Among the options presented, vandalism is explicitly covered under such a policy. This means that if someone deliberately damages your property, the policy would typically allow you to file a claim for the costs associated with repairing that damage.

Vandalism includes acts like graffiti, broken windows, or any intentional destruction of property. The policy addresses these scenarios because they are unwanted and damaging actions that can lead to financial loss for the homeowner.

In contrast, while theft of personal items may also be covered under many homeowners insurance policies, it's not as universally applicable as vandalism, which encompasses a defined action. Flood damage is commonly a specific exclusion in many policies, requiring separate flood insurance for coverage. Normal wear and tear, which reflects the natural deterioration of property over time, is also not covered under homeowners insurance, as it is considered a regular maintenance issue rather than a sudden or accidental loss.