54. You are handling a flood claim in Houston, Texas. Your policyholder has a flood policy on his home. The replacement cost of his dwelling is $230,000. The flood related damages to the dwelling are valued at $220,000. The replacement cost of the damaged contents on his claim is $85,000. The actual cash value of the damaged contents is $63,000. How much will you pay him for his damaged contents? Do not consider a deductible. 55. A homeowner lives in a coastal area of Texas. Insurance companies exclude wind and hail coverage for that area of Texas. How can the homeowner get protection for wind and hail? 56. Your insured had $750.00 stolen from his wallet while at a gym. What is the maximum you can pay him on his claim? Do not consider deductible