To calculate the total amount Carmen will be reimbursed under her HO-2 insurance policy, we'll follow these steps:

1. Dwelling

• The dwelling (house) was insured for $357,791, but the value before the fire was $392,000.
• Since the dwelling was insured for $357,791, that's the maximum amount she can be reimbursed for the dwelling loss (ignoring depreciation, which isn't mentioned).

2. Detached Garage and Poolhouse

• The detached garage and poolhouse were valued at $50,687.
• HO-2 policies typically cover 10% of the dwelling amount for "other structures" (garage and poolhouse), which would be 10% of $357,791 = $35,779. Thus, she can claim $35,779.

3. Personal Property

• The personal property was valued at $142,261 (actual cash value).
• HO-2 policies generally cover personal property at the actual cash value (since it's specifically mentioned here).

4. Loss of Use (Living Expenses)

• Carmen spent $4,597 for eight weeks of living in a motel due to the fire.
• Most HO-2 policies cover "loss of use" expenses, which include temporary living costs. Therefore, she can claim $4,597 for living expenses.

5. Injuries and Dogs

• She sustained $10,000 in injuries and lost three dogs valued at $6,000 each (total $18,000).
• Personal injury coverage under HO-2 policies generally applies to liability claims, so Carmen likely won't be reimbursed for her own injuries.
• Pets are usually not covered under standard HO-2 policies, so her loss of the dogs will also likely not be reimbursed.

6. Deductible

• The deductible is $1,000, which will be subtracted from the total reimbursed amount.

Summary of Covered Losses:

1. Dwelling: $357,791
2. Detached Garage/Poolhouse: $35,779
3. Personal Property: $142,261
4. Living Expenses: $4,597

Total before Deductible:

$357,791 + 35,779 + 142,261 + 4,597 = 540,428$

Subtract the Deductible:

$540,428 - 1,000 = 539,428$

Final Reimbursement:

$\boxed{539,428}$

Thus, Carmen will be reimbursed $539,428 for her losses and expenses.

Would you like further details or have any other questions?

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Here are 5 related questions:

1. What items are typically not covered by a standard HO-2 policy?
2. How do insurance companies determine the actual cash value of personal property?
3. What are the benefits of upgrading to an HO-3 policy?
4. How is "loss of use" coverage calculated in homeowners' insurance policies?
5. How does the deductible affect insurance reimbursements for large losses?

Tip: Consider reviewing your insurance policy to ensure that pets or unique items are adequately covered, as standard homeowners' policies often exclude certain valuables.