Tom has homeowners insurance with a deductable of $1,000 Just last work, Tom's home was severely damaged in a hurricane, However, when Tom submitted a claim for the damages the insurance company declined the claim Which of the following would be the most likely reason why the damage to Tom's home was not covered?

A Tom's coverage was based on replacement cost rather than actual cash value

B. The hurncane was considered an uninsurable pent

C The claim was for more than $1,000

D. The policy did not include personal liability coverage.