James has an unendorsed HO-3 homeowners policy with a limit on Coverage A of $150,000, Coverage B of $15,000, Coverage C of $75,000, Coverage D of $30,000, Coverage E of $100,000, and Coverage F of $5,000. The replacement cost of the dwelling is $200,000. Lightning strikes the roof of the house and severely damages it. The actual cash value of the damaged roof is $11,500, and it will cost $16,000 to replace the damaged portion. James' unattached tool shed also burns, destroying the shed (replacement cost = $8,000, actual cash value = $5,000) and the lawn care equipment inside (replacement cost = $3,000, actual cash value = $1,000). James has an unendorsed HO-3 homeowners policy with a limit on Coverage A of $150,000, Coverage B of $15,000, Coverage C of $75,000, Coverage D of $30,000, Coverage E of $100,000, and Coverage F of $5,000. The replacement cost of the dwelling is $200,000. Lightning strikes the roof of the house and severely damages it. The actual cash value of the damaged roof is $11,500, and it will cost $16,000 to replace the damaged portion. James' unattached tool shed also burns, destroying the shed (replacement cost = $8,000, actual cash value = $5,000) and the lawn care equipment inside (replacement cost = $3,000, actual cash value = $1,000)