Dwelling (Building coverage)The limit should be based on the Replacement Cost of the building (cost to rebuild withthe same kind and quality excluding the foundation)2.

Not replacement cost because I would walk away and not rebuild.

I have worked with people rebuilding their credit for many years and I don't believe I have ever seen one on a personal credit report.

Is the neighborhood in the stage that other builders will be buying, tearing down properties and rebuilding new?

So, to completely rebuild a 25 foot chimney, you're looking at $1250-2500 in many parts of the country.

The walls are plaster so its a complete tear out and rebuild.

I know there are tons of contractor tied up with helping to rebuild from the tornadoes but we are trying to connect with solid contractors that we could use in the future.

You really just need to start somewhere, make mistakes in the analysis, and rebuild your spreadsheet to compensate.  

Knowing nothing behind the scenes of the project, I watched them rebuild the upstairs 2-4 times before settling on a design, it sat over the winter, they added another portion to the house, etc.Just as an observer who walks past the house often, it would appear they lack a proper start to finish plan for the work, which I believe is essential to avoid project creep.

I have partnered with a couple of guys here in St Augustine and we rebuilding 4 vacation rentals.