ACV or $RC$

Tim and Niki have their home insured for $$175,000.$ At the time of a $$50,000$ loss, the adjuster determines the RC of the home to be $$200,000.$ Ignoring any deductible, how much will the policy pay?

Brad and Beverly have a homeowner policy with a $$360,000$ Coverage A Dwelling Limit. They have an $$80,000$ loss. At the time of their loss, the carrier calculates the RC to be $$600,000.$ Ignoring any deductible, how much will the policy pay?

A fire damages the insured's wood fence, detached deck with a built$-$in hot tub, and storage shed. Will the policy pay ACV or RC for each of these items?