Help me please

Calculate the correct limits of liability where needed:Coverage A $$\_\_\_\_\_\_$ Coverage B $$25,000$ Coverage C $$\_\_\_\_\_\_$ $$500$ deductible for all except windstorm which has a $2\%$ deductibleCoverage D $$\_\_\_\_\_\_$Each of the following scenarios are separate events from one another unless expressly stated otherwise within. Review the fact situation and HO$-3$ policy to determine and identify $(1)$ which coverage$($s$)$ would apply to the situation, and $(2)$ what would be the recovery?$1.$ Poindexter was cooking when his attention was diverted from his task at hand. He was cooking on an electric range. Flames sprouted from the coils and immediately the oil that he was using to fry erupted into a local conflagration which he could not control. The Fire Department was called and arrived within minutes and got the fire under control and extinguished. Total damage to the kitchen was $$4,308\mathrm{.}00,$ but smoke and soot damage throughout the first floor had a separate estimate to clean and repaint of $$2,022\mathrm{.}00.$ His first floor furnishings also had to be cleaned with a clean up cost estimate of $$580\mathrm{.}00.2.$ When the Fire Department arrived at the scene presented in #$1,$ they believed that the fire originated from an electrical source and spread because of the cooking oil. They used an appropriately selected fire suppressant foam to douse the flames. The foam covered not only the flames but also the flooring. The Fire inspector walked through the foam as she checked spaces throughout the house to assure that there was no fire lurking which would flare up after the trucks left. She tracked the foam throughout the second floor causing $$870\mathrm{.}00$ damage to clean up after her. $3.$ The fire marshal investigated the fire and confirmed that the source of the fire was faulty electrical wiring. It seems that XYZ Electrical Service had recently replaced wiring in the circuit breaker. Specs required $\mathrm{.}032$ gauge wire but $\mathrm{.}24$ gauge was used. The thinner wire overloaded and flames resulted not only at the stove but also the breaker box which had to be replaced at a cost of $$1,840\mathrm{.}00$ installation included. $4.$ Fire fighters on the roof chopped some holes in the roof seeking out any burning embers, and in so doing a couple of burning embers actually floated downward and landed on a his next door neighbors utility shed which then caught fire! Fortunately the local fire company was nearby and was able to put the fire out with minimal scoring damage to the exterior of the utility shed $$150$ worth of paint would fix that right up$.5.$ Poindexter removed personal property from the first floor trying to save stuff from the fire and smoke. He was able to take an antique table valued at $$5,000$ out to the front yard along with a box of personal jewelry $($the real stuff, not costume$)$ which included a diamond stickpin worth $$3,000,$ necklace worth $$8,000$ and matching bracelet worth $$3,500.$ He placed the box on the table as he returned to gather more personal belongings. When he returned the box was gone. $6.$ Poindexter rolled his new ATV into the utility shed. He had just given it its inaugural run over the pathways and byways of the bird and wildlife sanctuary immediately adjacent to his property. He felt very fortunate that the sanctuary allowed ATVs to travel unimpeded through specified trails. He was looking forward to many days and afternoons of getting to the know the sanctuary and others in the area well. He closed and locked the utility shed but upon returning the next day, he found that the lock and chain had been broken and his ATV was no where to be seen. $$7,000.$ He notified the local police and filed a report and his local insurance agent. $7.$ Poindexter was unable to reside at his home as the local authority had withdrawn his resident certificate of occupancy pending completion of repairs to the property. He was able to get a good weekly rate at a local Holiday Inn Express of $$500$ a week. He received a call from the bank and was advised he must continue to pay his mortgage payment each month of $$1,250\mathrm{.}00.$ The small suite he rented included a bedroom, bath and small combination living room$/$kitchen$.$ It was fully furnished. He was able to prepare his own meals but declined to use the stove due to his recent mishap and instead ate out each day. His ordinary weekly grocery bills averaged $$100/$week and because he was eating out each meal that bill escalated to $$150\mathrm{.}00.$ He didnt know how he was going to be able to cover his expenses. $8.$ On top of everything else, as he was at a local restaurant getting take out, he reached for his wallet to pay and found that his debit card was missing. He returned to his rented rooms and searched to no avail. He checked with his bank and found that several charges against the card had been incurred not authorized by him. They totaled $$735\mathrm{.}00.$ The bank required him to notify the police. $9.$ The insurance company investigator was not convinced that the fire was accidental. He demanded that Poindexter appear to provide a sworn statement under oath attesting to all questions the investigator had regarding the facts and circumstances of the loss. Poindexter refused to appear saying that he filed his initial report and could not elaborate any further as to what happened as he had already provided the information as to what happened. $($a$)$ Is Poindexter correct? Basing your answer upon the contract provisions, explain your answer. $($b$)$ If the carrier were to decline coverage for the loss, what basis would such a declination of coverage be based upon? Basing our answer upon the contract provisions, explain your answer.