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 $45,000, Coverage E of $100.000, and Coverage F of $5,000. The replacement cost of the dwelling is $220,000. 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 $18,000 to replace the damaged portion. James' unattached garage is destroyed when lightning causes a fire (replacement cost = $20,000, actual cash value = $10,000). Lawn care equipment inside the garage is destroyed as well (replacement cost = $3,000, actual cash value = $2,000). James' automobile suffers minor damage (replacement cost $1,000 and actual cash value $900). 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 $45,000, Coverage E of $100.000, and Coverage F of $5,000. The replacement cost of the dwelling is $220,000. 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 $18,000 to replace the damaged portion. James' unattached garage is destroyed when lightning causes a fire (replacement cost = $20,000, actual cash value = $10,000). Lawn care equipment inside the garage is destroyed as well (replacement cost = $3,000, actual cash value = $2,000). James' automobile suffers minor damage (replacement cost $1,000 and actual cash value $900)