Assume that Sandra Rice owns a HO-3 policy for his home. The limits set in his policy are provided below:

Type	Coverage A	Coverage B	Coverage C	Coverage D	Coverage E	Coverage F
Limit	$120,000	$12,000	$60,000	$24,000	$100,000	$5,000

A $350 deductible applies to Section 1, Coverages A, B, and/or C. The replacement cost of Sandras home is $130,000, the contents are valued at $70,000, and the home is 30 percent depreciated. Compute the amount that Sandra will collect in each of the following circumstances and assume that each event occurs independently. Note: a deductible will only apply if losses are less than the coverage limit.

1. A storm rips through Sandra's neighborhood, destroying her house and all her belongings. Rebuilding the house will take six months, and Sandra will have to pay an additional $18,000 in living expenses during that time.

1. A neighbor mistakenly releases the brakes on the family's pickup truck, causing it to slam into Sandra's home. There is $37,000 damage to the home. The truck has been totally demolished in the process. Before the loss, its ACV was $17,000. An injury to both the neighbor ($4,000) and Sandra ($7,000) is reported.

1. Sandra's unattached gazebo burns down, causing $9,000 in damage to the gazebo and $3,000 in damage to the furniture inside.

1. By mistake, Sandra starts a fire while cooking. The home, all the contents, and shed (value of $14,000) are a total loss. It costs Sandra an additional $35,000 to live in a rental home while the house is being rebuilt.

1. Sandra accidentally burns down her neighbor's house while cooking, causing $130,000 in damage.

1. By accident, Sandra strikes another golfer, Timothy, on the head while they are playing golf at Sandra's house. Sandra warned Timothy before he was struck. Timothy claims he didn't hear the warning and has filed a lawsuit against Sandra for $7,000 in medical expenses, $18,000 in lost wages, and $50,000 for pain and suffering. To defend Sandra, it will cost an additional $10,000 to hire a lawyer. Assume Timothy wins the lawsuit.

1. Sandra's son, Jack, has his PlayStation stolen from his dorm room when he is away at college. This results in $600 of damage.

1. Sandra drops her laptop while carrying it to the basement. A total of $2,000 has been lost.

1. Sandra works from home as a certified public accountant. Mack Green's tax return was prepared by her but contains many errors. Mack is suing Sandra for negligence. Mack wins a $12,000 judgment in the suit.