Amber has a Homeowners 3 policy. The dwelling is insured for $70,000 and the replacement cost of the home is $100,000. Indicate whether or not each of the following losses is covered. If possible, determine the dollar amount of the loss that will be covered by Amber's insurance policy. Clearly identify what section of the policy is controlling and why the event is either covered or not covered. Amber's son is smoking marijuana in the basement of their home. He falls asleep and starts a fire. The fire damages the following items: antique jewelry worth $3,000 that Amber paid $500 for several years earlier. The jewelry is insured on a personal articles policy for $500; furniture with a replacement cost of $4,000 and an actual cash value of $300; and ceiling beams supporting the first floor. The beams will cost $8,000 to replace and have an actual cash value of $6,000. Until the beams are replaced, the family must move into a hotel. The hotel costs $1,000 per week. The family must eat out every meal, costing $700 per week, when their normal grocery bill at home is only $200 per week. Amber's mortgage payment is $1,500 per month