Which of the following is considered an additional coverage under the broad causes of loss form?

The broad causes of loss form includes specific additional coverages that enhance the protection provided under the standard policy. Among these, collapse is explicitly identified as an additional coverage. This coverage applies to situations where a structure becomes unstable and can no longer support itself, and it is often tied to specific causes, such as hidden decay or defective materials. This type of coverage is particularly important since it addresses scenarios that may not fall under typical perils covered in a standard policy, ensuring that policyholders have protection for significant structural issues that can arise unexpectedly.

The other options listed—such as theft, fire, and windstorm—are typically covered under standard property insurance policies without being classified as additional coverages. Fire and windstorm are considered specified perils, while theft coverage can vary depending on the circumstances and specifics of the policy but is not categorized as an additional coverage under the broad causes of loss form. Hence, collapse stands out as the correct choice, reflecting a unique vulnerability that is recognized and addressed by the additional coverage provisions within the broad causes of loss form.