Under commercial property policies, which of the following is correct concerning the causes of loss - special form?
1) The policy covers all risks of physical loss or damage to the insured property, except those specifically excluded
2) The policy covers only the risks of loss or damage that are specifically listed in the policy
3) The policy covers loss or damage caused by fire, lightning, explosion, windstorm, hail, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sprinkler leakage, sinkhole collapse, volcanic action, and damage from the weight of ice, snow, or sleet
4) The policy covers loss or damage caused by fire, lightning, explosion, windstorm, hail, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sprinkler leakage, sinkhole collapse, volcanic action, and damage from the weight of ice, snow, or sleet, as well as any other causes not specifically excluded