Please show steps and explanation if possible! The available answers for this problem are so different from each other...

Jim's house was damaged when lightning struck his roof. The cost to fix the home will be $30,000. He carries an HO3 policy with a $500 deductible. If the home is insured for $200,000 and the replacement value is $180,000, how much will Jim's reimbursement from the insurance company be