Rashed purchased a homeowner insurance policy that provides 640000 of insurance on his dwelling, which has a current replacement value of 1000000. Before the coverage lapsed, rahsed sold his house to ali , shortly after a fir destroyed the kitchen . The replacement cost of the kitchen is 60000 but an cash value of 56000 is also detroyed in the fire.

a) Can rashed claim damages for the kitchen ? explain why

b) can ali claim insurance coverages for the kitchen fire?

c)assume some one was entitled to coverage under the insurance policy ignoring any deductibles, how much will they collect ?