It was after a flood though there was foundation flood damage we started to rebuild first but eventually the government got around to making offers, ours was good, other people weren't as happy.

We are still close and want to try to rebuild our relations and stay together unmarried for foreseeable futureShe told me to pause on removing the funds from 401k for now and I’m hoping to not have to ever remove those for a home purchase for her, however she wants a home that would be hers in the event of my demise or if we couldn’t stay together.

I've closed all my cards an am working with a reference company to hopefully start rebuilding my credit. 

The insurance premium is based on the square footage to rebuild the house today.

Usually a tear down and rebuild and the challange with that even wrecks tend to sell for 200k and up.

From full rebuilds after fire to simple room additions. 

So it's just a matter of rebuilding the capital to invest again.

I like to get the toilet up anyway and make sure we don't have a failing wax ring and it is almost the same price to rebuild a toilet as it is to replace it with a cheap one.

And make sure they are covering the cost to rebuild the home in case of catastrophe, not just calculating it based on current value.

You have all sorts of obsolescence in real estate And you look at Milwaukee with many areas having these beautiful bungalows and tubors etc. and selling for way under 100k when it would cost 500k to rebuild them.