Linda Winchester purchased three insurances for her 400,000 warehouse, with the following insurance coverage: Policy 1 75000 Policy 2 100000 Policy 3 145000 In the last fire, her warehouse suffered 93,000 insured losses. Please explain the different ways to allocate losses in the policy. Assume that there are no co-insurance provisions in the three insurance policies.

Assuming that the value of the property appreciates, and there are co-insurance regulations, which are 80%, 85%, and 90% respectively, how are they distributed at this time?