C and D insure their home for $200,000 on a Special Form Homeowners Policy. During a state of emergency, a wildfire causes a $220,000 loss to the dwelling. Their insurer would: A Pay up to the Coverage A limit B Pay up to the Coverage A limit and inform C and D that the remainder may be covered by federal emergency relief funds C Automatically increase the Coverage A limit by 30%, making the Coverage A limit $260,000 D Allow the limits for Coverages A and B to be combined, which would cover the full $220,000 loss