I've found a strange lack of discussion of how much flexibility various kinds of insurance give on rebuilding.

This dose not seem like a big deal but they have done some strange things such as screwed fencing to the side of the addition and it has made it look terrible.The second problem is that there are renters on a lease and there rent is below market value quite a bit. there on a lease until November.I have an other option for a duplex that is in the same area off the main road and in between 2 very well kept properties the rent is almost at market value and the leases are month to month.

A protégé of mine recently sold a SFR with a nice (but with a strange entrance - entrance was through the BR) 1 BR, 1 BA ADU with laundry/storage room. 

Thank you, it is indeed very strange.

Either really strange misunderstanding or you need a new CPA.  

Strange I didn't realize  that was a thing.  

It's strange to think this way, but the lay-off was a blessing. 

I don't care either way since it's HUD, but my agent never even explained the situation, which I thought was strange.  

That's allowable and reasonable. but for some strange reason, in the post right before this you made, you stated that it is never allowable.in the next breath you define it as “allowable and reasonable“ 

The Reception column also has a strange # that I do not understand.