Todd has his home and personal property insured under a Homeowners $3($special form$)$ policy. The dwelling is insured for $$120,000.$ The replacement cost of the home is $$200,000.$ Indicate the extent to which each of the following losses would be covered under Todds Homeowners $3$ policy. $($Ignore the deductibles$)($a$)$ Lightning strikes the roof of the house and severely damages it$.$ The actual cash value of the damaged roof is $$10,000$ and it will cost $$16,000$ to replace the damaged portion.$($b$)$ A living room window is broken in a hailstorm. The drapes are water stained and must be replaced. The actual cash value of the damage drapes is $$400.$ Replacement cost is $$600.($c$)$ The water heater explodes and damages some household contents. The actual cash value of the damage property is $$2,000,$ and the cost of replacing the property is $$3,200.$