Jim has an HO-3 policy with a $100,000 limit. A fire burns down his detached garage. Damage to the garage is $25,000 RC ($15,000 ACV), and damage to the property that was in the garage is $5,000 RC ($2,500 ACV). How much will his HO-3 policy pay for this loss? $100,000 $0 $12.500 $27.500 O $30,000