Very old, so to rebuild with exact materials exceeded the maximum on the original residential policy I had in place with Andover after their inspection. 

I feel you need to get by the work you have put in plus your value added material and expertise.

for individual room rentals  I don't think work from home is big and for multiple room rentals I might try to avoid it but gamers loved having a desk too and decent internet speed.

One began selling custom flip flops, (bought their own material with money saved), Another who was always encouraged with a camera, attempted to take pics for young people proms, birthdays etc.Then they helped me with a former biz of cleaning up HUD properties during the housing crisis on early 2000’s.Next, but not all of the details for sake of my response.

No marketing material contained an ARV or Repair Cost.

Composite materials are another option; they’re durable and low-maintenance, but they cost more initially.

We used the insurance company's preferred vendor for the smoke remediation… but we ‘made out like bandits’ on the painting / fixture replacement because they were wrote up  like $8,000 for the work and it probably took us 20 hours of work and $750 in materials to put things back together.  

I made my decision based on the fact that a) $5800 for a 90-day program was something I couldn't afford; b) $5800 for a 90-day program seemed VERY fishy/scam-y/pyramid-y to me; c) after scouring the internet for information, reviews, etc about the program, I found literally ZERO bad or less than 5-star reviews about it which - to me - is a massive red flag; no program, product or service is perfect, and the fact that they are making themselves appear as such really gave me a bad feeling about the program.

Rising labor and material costs2.

You can find a spreadsheet version of this calculator on the internet that will show you the principle and interest over time in a table.