Poindexter has a HO-3 policy which provides the following coverages: Coverage A $______________ Coverage B $______________ Coverage C $__125,000.00___ Coverage D $_____________ Coverage E $300,000/occurrence Coverage F $2,500/occurrence $500 flat deductible for all perils other than Windstorm which is 2% M & T holds the mortgage on a single story wood frame structure with asphalt shingle roof, brick and aluminum siding, originally built in 1976. Answer each question stating what coverage(s) would apply to the loss described, (if any) and the net amount of recovery Poindexter may anticipate. Who would be the payee(s) on settlement check(s). Treat each described incident as a separate loss from the one(s) preceding unless expressly stated not to by the question. Poindexters electric stove short circuited out and a fire ensued. The flames spread over the stove top and onto adjacent countertops eventually destroying wooden storage cabinets on either side of the range. Repairs to the damage sustained by the appliance $576.00, Replacement cost $498.00. Repair/replacement to the cabinets$1,008.00 Refinish walls and ceilings $289.00. Clean up $125.00 The contents of each of the destroyed cabinets included 2 sets of Corelleware ($59/each) punch bowl and matching glasses 8 ($159,99). Examination of the circuit breaker box revealed that the box had been recently serviced by Roadrunner Electric Services, Inc. It seems that the work order provided an internal rewiring of the circuit board using .09 gauge wiring which specifications required .12 gauge wiring. Seems that the thinner gauge directly contributed to an overload and short circuit of the system. Fire Department was called to the scene and a hose was tossed into an adjacent pond as a water source instead of the tanker truck whose valves had recently required replacement (and which had not yet been replaced---they were on order). The volunteer fire company entered the front door of the dwelling and opened the hose valve allowing pond water to drench the interior walls of the foyer and living room along with a sofa ($890.00) two overstuffed chairs $449 ea), the walls and ceiling (clean and refinish $1,215.00 , 36 HD TV $590.00). Two volunteer Firemen made their way to the roof and as they had been trained, began to chop holes in the roof to (a) let smoke escape and (b) ascertain if the flames had spread to the attic. Damages to repair the roof $960 to remove shingles, undercoat, sheathing, repair and replace with LKQ materials. While swinging their axes on the roof, the firemen came across an area that embers had floated to the attic ceiling and a small fire started when these embers hit the attic insulation. The action of the ax drove into the smoldering insulation and caused two things to occur simultaneously with one another---flames spread throughout the attic insulation.as the burning embers were swept to the left and right within the interior of the attic, and (b) other embers flew out of the roof exterior riding the upward arc of the swinging ax---floated down and landed on both Poindexters utility shed and his neighbors utility shed setting both on fire. Damage to the residence $10,478.80, to Ps utility shed $1,230.00 to neighbors $897.40. Building and construction materials were delivered to begin repairs to the home and left on the driveway. Poindexter and a few friends moved the materials from the driveway to the side so that he could get his car into the driveway and into the garage. He had made arrangements for the repairs to be done while he was at work. Upon arrival at work, he received a call from the foreman who told him that he and his crew had arrived a few minutes ago and had been told all construction materials called for in the estimate had been delivered but none of the materials were present---wanted to know where the stuff was. Poindexter knew it had been delivered and tried to describe where it was finally stating in exasperation that he would be right home. He arrived a few minutes later and discovered as the repair guys before him, that all the materials were gone! Cost for replacement materials $5,733.18, While the fire had been raging, Poindexter called his insurance company on his cell phone. He was told that a claims adjuster was in the area and would be sent right over. In the meantime, Ps neighbor, Marvin joined a group of onlookers to see what the commotion was all about. Marvin always liked fire trucks and he wanted to get a better vantage point so, he stepped off the grass and onto Ps driveway and began to walk up the driveway while never taking his eyes of the residence, the flames and the fire fighters racing to and fro. He loved that excitement, at least up until he stepped on Ps sons skateboard which then went out from under him. He went flying and came crashing down on the hard driveway pavement crying out in pain. He thinks he broke his ankle and was yelling for help. He went to the hospital, radiology tests were performed, doctor examined him, wrapped the ankle, gave him crutches with instructions to follow with his primary care physician. ER Visti $2,417.00 Follow up care with his PCP $1,008.00 Wants to sue for pain and suffering---wants a $1,000,000 compensation. While this was going on, Ps adjuster showed up. He had just made his way from his car parked in the street, to where P was standing off to the side on a walkway. Both turned as they heard Marvins cries for help. The adjuster as just a little faster as he tried to race across the front lawn. Unbeknownst to him. P had a water sprinkler system installed when be bought the house which was recessed so that the sprinkler heads mostly, but not all, below ground level. The part that protrude above ground was camouflaged and could not be seek unless you know where to look. Wouldnt you know the adjusters heel caught on one and he twisted his ankle and went down in a heap writhing in pain and calling out for help himself! Taken to the hospital, was admitted as an in patient overnight $2,040.00 Diagnostics $1,540 Physician $750.00 Primary Care Physician follow up $2,100 Loss of earnings $5,480 (was unable to work for 4 weeks) Asserts claim for pain and suffering as well as out of pocket expenses. Poindexter had been riding on his brand new ATV all down having the time of his life, over hill and dale---he parked it in his tool shed for overnight but the next morning when he got up to continue his exploits, he found that it had been stolen! He notified the police and gave them a full description and obtained a report number. He then called his insurance company to make a claim for its loss. He had just paid $6,326 (tax included), and it was gone. Poindexter had a side business at his home. It was set up very well. He would meet with accounting clients he had met at his employers place of business and over a couple of years, told them he could give them a better deal by working with them directly and to do so, he met with them at his home officeaway from prying eyes. He was able to reduce the amount charged for accounting services, and tax preparation and filings. He kept accurate records of the clientele he had been syphoning away from his employer---right up until a lightning strike hit and wiped out his hard drive and back up server. All his records were gone. He brought the drive and server to a recovery service---they said they might be able to recover u to 90% of what he had encrypted but that it would cost $9-9,500.00. They also suggested he purchase a second computer and server to maintain off premises but all data could be backed up to nightly. Poindexter had enough of he believed was the insurance companys foot dragging. He had given them all that they had asked for last week, he called twice a day to find out where his settlement checks were and they kept putting him off. He was tired of getting the run around so he went to the courthouse and, representing himself, filed suit against his insurer alleging breach of contract and bad faith claims settlement on their behalf. He was seeking the amount on his proof of loss of $6,770.00 plus the costs of filing $185.00 and an additional $10,000 for emotional distress caused by their failure to promptly pay his claims under the policy.