You are the adjuster on this claim. It is your job to tell the instructor (Supervising Adjuster) whether the claims scenario will be insured or not insured, and why. If it is insured, how much is insured and what will be the calculation for the deductible, if any. Which of the lost items will be insured and how much will they be insured for in this scenario. Be specific. The expectation is for a detailed breakdown of all paid and unpaid portions of the claim and an explanation for each coverage given or not insured. Make sure to total the claim and address the deductible(s). Coverage Scenario Insured with Wawanesa (Bob Smith lives on a 160 acre farm does not farm any longer) Homeowners, Broad Form. $1,000 deductible. Multi-Limit $400,000 for Building (coverage A), 40,000 for detached structures (coverage B) and $200,000 for Contents (coverage C). Also includes Coverage D. Term Jan 31, 2020 2021. Replacement cost. Bobs house burned down (grass fire) and the detached Pole Barn (garage) that he stored his 3 cars (1969 Porsche at $50,000, a 1970 Firebird at $85,000 and a 1999 VW at $2,000), camper ($2,000) and 1 old tractor (1968 Porsche tractor $1,000) also burned down. Total Loss by Fire for both buildings. 6 Months to rebuild. DOL, Jan 1, 2021. $450,000 to rebuild dwelling and $45,000 to rebuild pole barn. Contents List: 3 laptops @ $1,000 each, cash $10,000, comic book collection $10,000 for 50 comics (3 comics worth $1,000 each, all other - 47 at $250 per comic), business property (desk, computer, printer, cabinets $10,000), 1980 Honda motorcycle 1000 cc $5,000, wedding ring $15,000, truck camper $2,000 (in garage). Status of Coverage and Claim?