She would receive $3500 maximum.
Since she has $10,000 in coverage, the entire $4000 loss is covered. However, the insurance company would only pay her the amount after the deductible has been taken:
4000 - 500 = 3500
210, 310, 320, 410, 420, etc.
12 × 9 = 108
36 × 3 = 108
2 × 54 = 108
As many as possible.
