Another way to approach this is by reasoning about how the permissible-stress increase typically scales with how many additional load cases are being combined together, and checking which of the given options is consistent with that trend for the specific case of dead, live and wind load acting simultaneously.
Working stress design intentionally allows a higher permissible stress whenever an additional, less-frequent load type (like wind) is included together with the basic dead and live loads, because the chance of the peak wind load coinciding exactly with the peak dead and live loads at the same instant is relatively low; codal provisions therefore permit a specific increase for this particular combined case of dead, live and wind load acting together.
Matching the specific three-load combination described in the question to its codified allowance gives the value fixed for this case.
Therefore, the correct answer is 0.4.