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 $46,000 of damage to the dwelling itself. Their garage, valued at $19,000, 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 $1,310 on food and lodging. The house had a value of $200,000 and was insured for $157,000 under an HO-3 policy with a $250 deductible. Use Table 10-1 to answer the following 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.)