Sam (Jessica's husband) home has a replacement value with a deductible. A couple of years ago he insured his home and the coverage never increased, even though the policy required coverage of 80% of the replacement cost. Last month, he had a kitchen fire, which caused damages. What is the Total Amount she will pay?

Amount of Loss - $75,000

Deductible - $500

Amount of Insurance Actually Carried - $150,000

% Percentage Amount Needed - 80%

Replacement Value - $200,000