$19.$ After the death of his wife Jill, who handled most of the couple's business affairs, Dan is reviewing their homeowners policy and discovers that the standard policy has been modified by adding an "Actual Cash Value Loss Settlement Endorsement." By consulting his insurance advisor, Dan learns that this means$($Search Chapter $6)$ a$.$ if the building is insured to at least $50$ percent of its actual cash value, the insurer will waive any deduction for depreciation when settling a loss. b$.$ if the home is damaged, Dan will receive settlement on a replacement cost basis only if the building is a total loss. c$.$ if there is a partial loss to his building, the insurance company will probably pay less than the full cost of replacing the damaged building components. d$.$ he has probably been paying a substantial additional premium for this endorsement that expands the coverage of his basic policy.