With Helen's commercial policy requiring 80% coverage, which coverage extension could help her rebuild at replacement cost?

To understand why the correct option focuses on the requirement for maintaining minimum coverage, it's essential to examine the nature of coverage extensions in commercial policies. Many commercial property insurance policies include specific stipulations regarding the minimum level of insurance coverage that must be maintained in order for certain extensions or endorsements to apply.

When a commercial policy requires a minimum coverage percentage—such as the 80% mentioned—it typically indicates that the insured must have coverage that is adequate to ensure that claims for total loss can be met without significant depreciation. If these minimum requirements are not fulfilled, extensions designed to offer benefits like rebuilding at replacement cost may not be invoked.

Under normal circumstances, if the insured carries insurance at less than the required percentage, they could face a reduction in the payout, or worse, a complete denial of certain coverages or extensions. This means that to utilize extensions like expanded replacement cost coverage or replacement cost endorsement, the coverage must meet the stipulated minimum threshold. Thus, the statement about extensions requiring the maintenance of minimum coverage is aligned with general principles of how commercial insurance policies function regarding coverage extensions.

The other options, while they may seem relevant to providing assistance in cases of loss and rebuilding, don't necessarily address the stipulation of minimum coverage needed to activate those extensions. Therefore