Heather owns a home with a replacement cost of $400,000 that is insured under a Homeowners 3

Question:

Heather owns a home with a replacement cost of $400,000 that is insured under a Homeowners 3 policy for $280,000. The roof was badly damaged in a severe windstorm, and it will cost $20,000 to repair the roof. The actual cash value of the loss is $10,000.
Ignoring any deductible, how much will Heather collect from the insurer?