Which of the following perils is NOT typically included under the DP-3 Special Form coverage?

The DP-3 Special Form, which is intended for dwelling insurance, provides broad coverage for various perils. However, it explicitly excludes certain types of risks, one of which is flooding. Flood damage is typically not included in standard property insurance policies, including the DP-3, because it requires separate flood insurance coverage.

Fire, vandalism, and lightning are generally covered perils under the DP-3, making them part of the standard protections offered. Conversely, water damage from flood is a distinct peril that carries its own specific insurance requirements and is not part of the standard coverage, leading to its exclusion from the DP-3 policy. Understanding these specifics is crucial for policyholders to ensure they have appropriate coverage for their property needs.