Athena Aristotle operates a retail clothing store in West Vancouver. The store is located on the bottom floor of a building owned by Athena. One of Athena's friends rents the top floor for a residence. Recently, Athena suffered major property damage when a three-alarm fire destroyed her building. The cause of the fire is not known, although faulty wiring is suspected. As a result of the fire, Athena is required to temporarily move her retail operations to a nearby location. Her friend has to find a new place to live.^{34}

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What type of insurance coverage will respond to Athena's loss? Assume Athena discovers that she is not covered for the full extent of her losses. Must Athena absorb the uninsured portion of the loss, or does Athena have any other options? Explain. What steps should Athena take to ensure that she has optimal insurance coverage?