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. James' 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 James paid $500 for several years earlier, furniture with a replacement cost of $4,000 and an actual cash value of $500, and ceiling beams supporting the first floor. The beams will cost $10,000 to replace. 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. James' mortgage payment is $1,500 per month