Which number should replace the question mark?

Larry's barn burned down and his wife, Susan, called the insurance company.

Susan spoke to the insurance agent and said, "We had that barn insured for fifty thousand, and I want my money."

The agent replied, "Whoa there, just a minute. Insurance doesn't work quite like that. An independent adjuster will assess the value of what was insured, and then we'll provide you with a new barn of similar worth."

There was a long pause, and then Susan replied, "If that's how it works, then I want to cancel the life insurance policy on my husband."