Thomas's house is insured for $250,000, and he has been paying premiums for the past 10 years. Thomas's home was wiped out in a fire. The face value of the policy is $250,000, the remaining mortgage is $115,000, and the appraised value is $210,000. How much can he recover from his insurance company for the loss?

A) $250,000

B ) $210,000

C) $115,000

D) $95,000