LeRoy Leetch had a heck of a year. He suffered all the following losses. Based on what you know about insurance, which would you expect to be insurable and why?

a. LeRoy's beloved puppy, Winchester, was killed when struck by a school bus. He has losses of burial expenses, the price of another puppy, and his grief due to Winchester's death.

b. LeRoy has an expensive collection of rare clocks. Most are kept in his spare bedroom and were damaged when a fire ignited due to faulty wiring. The loss is valued at $15,000.

c. Heavy snowfall and a rapid thaw caused flooding in LeRoy's town. Damage to his basement was valued at $2,200.

d. Weather was hard on the exterior of LeRoy's house as well. Dry rot led to major damage to the first-story hardwood floors. Replacement will cost $6,500.