Carmen Viers lost everything to a fire and has spent the last eight weeks living in a motel room at a cost of ​$5 comma 283. Her​ dwelling, which was destroyed as a result of a lightning​ strike, was insured with an​ HO-2 policy for ​$337 comma 019. Prior to the​ loss, her home was valued at ​$359 comma 000​, her detached garage and poolhouse were valued at ​$47 comma 044​, and her personal property had an actual cash value of ​$118 comma 387. To make matters worse she sustained​ $10,000 in injuries while trying  without success to save her three Greyhound dogs valued at​ $6,000 each. How much of her total losses and expenses will be reimbursed if she has a​ $1,000 deductible?
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Part 1
The amount of total losses and expenses she will be reimbursed if she has a​ $1,000 deductible is ​$

enter your response here.  ​(Round to the nearest​ dollar.)

To determine how much of Carmen Viers' total losses and expenses will be reimbursed under her insurance policy, we need to break down her covered losses, deductibles, and any potential exclusions based on the scenario. Let's go through each element step by step.

### 1. Home Dwelling Coverage
- **Home value (before the fire):** $359,000
- **Home insurance coverage limit (HO-2 policy):** $337,019
- **Amount payable for home dwelling (insured amount):** $337,019
- **Deductible:** $1,000
- **Reimbursable amount for dwelling:** $337,019 - $1,000 = $336,019

### 2. Detached Garage and Poolhouse
- **Value of detached garage and poolhouse:** $47,044
- The detached garage and poolhouse would typically be covered under "other structures" in a homeowner's policy. The policy might cover other structures at a percentage of the dwelling limit (often 10% of the dwelling coverage). If this applies here:
- **10% of dwelling coverage:** $337,019 × 10% = $33,702
- **Reimbursable amount for garage/poolhouse:** $33,702 (assuming a 10% limit, we can't reimburse more than the limit for this category).

### 3. Personal Property
- **Actual cash value of personal property:** $118,387
- Personal property is usually covered at its actual cash value (ACV) unless the policy specifies replacement cost coverage. Given that ACV is provided here, the reimbursement would be based on this amount.
- **Reimbursable amount for personal property:** $118,387

### 4. Injuries and Medical Expenses
- **Medical expenses due to injuries:** $10,000
- Most homeowners' insurance policies, including HO-2, include coverage for medical expenses regardless of fault. However, there's usually a limit, which varies by policy (commonly $1,000 to $5,000). Let's assume the policy provides **$5,000** in medical coverage.
- **Reimbursable amount for injuries:** $5,000

### 5. Greyhound Dogs' Value
- **Value of the three Greyhound dogs:** $6,000 each × 3 = $18,000
- Pets are typically excluded from coverage under homeowners' insurance policies, meaning their loss may not be covered. Thus:
- **Reimbursable amount for dogs:** $0

### 6. Temporary Living Expenses
- **Cost of motel stay for 8 weeks:** $5,283
- Additional living expenses (ALE) are typically covered under homeowners' policies when the home is uninhabitable due to a covered loss (like fire caused by a lightning strike).
- **Reimbursable amount for temporary living expenses:** $5,283

---

### Total Reimbursed Amount:
Now, summing up the reimbursable amounts:
- Dwelling: $336,019
- Detached garage/poolhouse: $33,702
- Personal property: $118,387
- Injuries: $5,000
- Temporary living expenses: $5,283
- **Dogs:** $0 (not covered)

**Total reimbursement:**
\[
336,019 + 33,702 + 118,387 + 5,000 + 5,283 = 498,391
\]

Thus, the total losses and expenses reimbursed amount to approximately **$498,391**.

---

Would you like any further details or clarifications on this calculation?

### Related Questions:
1. How would the reimbursement change if the deductible was higher or lower?
2. What are the usual coverage limits for medical expenses in an HO-2 policy?
3. How do insurance companies determine the actual cash value (ACV) of personal property?
4. Are there additional types of endorsements that could have covered the loss of pets?
5. How would the calculations change if Carmen's policy had replacement cost coverage instead of ACV?

### Tip:
When reviewing homeowners' insurance, consider adding riders or endorsements to cover items like high-value pets or jewelry, as standard policies may not cover them fully.

Carmen Viers lost everything to a fire and has spent the last eight weeks living in a motel room at a cost of ​$5,283. Her​ dwelling, which was destroyed as a result of a lightning​ strike, was insured with an​ HO-2 policy for ​$337,019. Prior to the​ loss, her home was valued at ​$359,000​, her detached garage and poolhouse were valued at ​$47,044​, and her personal property had an actual cash value of ​$118,387. To make matters worse, she sustained​ $10,000 in injuries while trying without success to save her three Greyhound dogs valued at​ $6,000 each. How much of her total losses and expenses will be reimbursed if she has a​ $1,000 deductible?

Find out how to calculate insurance reimbursement for Carmen Viers after her home was destroyed by a fire. This problem involves key concepts like deductibles, personal property coverage, and additional living expenses. Explore a detailed breakdown of her reimbursable amount, including home dwelling, detached structures, personal property, and medical expenses.

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