A dwelling with a replacement cost of $200,000 was insured under a Homeowners 3 policy for $190,000 at the time the roof was destroyed by a windstorm. The actual cash value of the loss was $10,000, but it will cost $15,000 to replace the roof. Ignoring any deductible, what will the insurer pay to settle this loss?

A) $8,000 B) $9,000 C) $10,000 D) $15,000