Final answer:
The collapse of a structure due to hidden decay is generally not covered under dwelling forms, as insurance policies typically do not cover long-term maintenance issues.
Step-by-step explanation:
The statement "Collapse of a structure due to hidden decay is covered under all dwelling forms" is false. Generally, insurance policies, including dwelling forms, do not cover damage resulting from neglect or maintenance issues such as hidden decay or rot. Coverage typically extends to sudden and accidental damage, but not to long-term deterioration that should have been addressed through regular upkeep. Therefore, if a structure collapses due to hidden decay or similar reasons related to maintenance, it would typically not be covered under standard dwelling forms.