Marcel has an unendorsed Homeowners 3 - Special Form with a Coverage A - Dwelling limit of liability of $200,000, a 1% Wind/Hail deductible, and a $1,000 deductible for all other perils. The dwelling replacement cost is determined to be $180,000 at the time of a covered fire. The siding and the roof were damaged to a total of $20,000. How much will Marcel's policy pay for this claim? a. $48,000 b. $19,800 c. $19,000 d. $20,000