Sabrina renovated her house with a kitchen cabinet for RM10,000 and insured it for the actual cash value basis. Four years later, her house was burnt down and the cabinet set was destroyed in the fire. At the time of the loss, the property has depreciated in value by 40% while the replacement cost of a new kitchen cabinet was RM12,000. How much would the insurer pay Sabrina? Explain your answer. (5 Marks)

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