3. The Lincoln Saltdogs is a professional minor league baseball team in the American Association league. The clubhouse is insured for $500,000 under a commercial property insurance policy with an 80% coinsurance clause. The current replacement cost of the clubhouse is $800,000. After a playoff game for the league championship, a whirlpool tub for the players shorted out, and a fire ensued. The clubhouse sustained a $100,000 fire loss. Ignoring any deductible, how much will the team's insurer pay for the loss