Perhaps you have coverage for the replacement value BUT the insurance company when calculating the replacement property uses modern building materials like drywall but your original house had plaster which is much more expensive.

Buildings and terrain around you?

Build with steel. 

You can build the tool yourself but it will take time. 

Not sure on the building size or whether it has a flat roof, but I paid over $80K to get a 10k sq ft flat roof done back in 2021, with quotes as hight as $120K.Hope this helps, good luck!

Build up your cash as you build your knowledge and network5.

They might only skim an inspection report and trust me to find issues.

Ranges can be fine if they’re in good condition, but inspect them thoroughly.

Meaning, if you take the money only, you would have depreciation recapture from your cost basis up to the original purchase price of the building (not including the land cost because it wasn't depreciable), plus a capital gain up to the insurance proceeds.Hope this makes sense. 

Connecting with investors is a great move too; it’s one of the best ways to gain real-world knowledge and build a strong foundation for your journey.What kind of investing are you most interested in?