If you policy is based on Replacement Cost, the company has an estimating program that attempts to calculate the cost to rebuild from the foundation up.

So factor in disaster areas, rebuilds, clean ups, and that time frame and it will not benefit Charlotte or Lee County.I would say if they can look into Pinellas we have a lot of great options for condo's and townhomes all around Largo, Seminole, and Clearwater.

The insurance and rebuild costs are certainly about to be a racket. 

Then I will only get minor work not more lifting walls and rebuilding rooms.

It was tough to come up with the funds to rebuild, but we got the money from several private sources and used it to get back on top.

You can underpin or demo and rebuild but either option may become expensive. 

At my company for instance, we rebuild the building on paper from the ground up using construction software then apply a condition factor.

I received a landlord dwelling quote from Travelers for Coverage A - dwelling for $223,600 plus 25% of additional replacement cost coverage which puts the total at $279,500, plus $28k for furnishings and $70k for loss of use.I understand I wouldn’t need to purchase the land in a rebuild, but $280k seems low for a cabin worth $520k, not to mention the risk of inflation continuing to drive costs higher for building costs and labor.

Replacement value will replace/rebuild the building in the case of a total loss.

I am intrigued by the idea of $0 out of pocket purchases as this would get me some skin in the game quicker than paying off my debt and rebuilding my savings, all while adding the expense of a new baby!