Toula and Ian Miller of Gainesville, Florida, recently suffered a fire at their home. The fire, which began in a crawl space at the back of the house, caused

$$53,000$ of damage to the dwelling itself. Their detached garage, valued at $$21,000,$ was totally destroyed but did not contain a car at the time of the fire

Replacement of the Millers' personal property damaged in the home and garage amounted to $$23,000.$ In addition, $$350$ in cash and a stamp collection

valued at $$3,240$ were destroyed. While the damage was being repaired, the Millers stayed in a motel for one week and spent $$1,370$ on food and lodging.

The house had a value of $$193,000$ and was insured for $$148,000$ under an HO$-3$ policy with a $$250$ deductible. Use Table $10-1$ to answer the questions.

$($Hint: You must first determine whether the Millers have adequate dwelling replacement coverage and, if not, what percentage of the necessary $80$ percent

coverage they do have. The resulting answer will determine the percentage of the loss to the dwelling covered, and consequently the amount to be

reimbursed by the insurance company.$)$

The data has been collected in the Microsoft Excel Online file below. Open the spreadsheet and perform the required analysis to answer the questions

below. Do not round intermediate calculations.

Open spreadsheet

a$.$ Assuming that the deductible was applied to the damage to the dwelling, calculate the amount covered by insurance and the amount that the Millers

must pay for each loss listed: the dwelling, the garage, the cash and stamp collection, and the extra living expenses. Enter all amounts as positive

numbers. Leave no cells blank. If an amount is zero, enter $"0".$ Round your answers to the nearest dollar.

b$.$ How much of the amount of the personal property loss would be covered by the insurance policy? Assume that the Miller's policy includes contents

replacement$-$cost protection. Enter all amounts as positive numbers. Leave no cells blank. If an amount is zero, enter $"0".$ Round your answers to

the nearest dollar.