So, now they're in the process of trying to "reconstruct" our policy to include the coverage (agent said that it may have been his mistake not including it originally), and we'd just owe the difference in premium, if any.What I'm wondering now is:- If they still deny us coverage after this attempt to "reconstruct" our policy, what are our next options?

Understand that the term "Replacement Cost" (RC) isn't "reconstruction value".

Pittsburgh businesses, of all sizes, are being attracted by the reconstruction of former industrial sites and the renovation of various neighborhoods by Investors looking to cash in on Pittsburgh's infrastructure boom.

I’ve been a GC who specializes in water damage restoration and reconstruction for 22 years.

so I just want to make sure I understand, you would want the property to be reconstructed to its original state before purchase?

It is easier to build your case today than to try to reconstruct it later. 

However maybe you can find an angle to chaage the floorplan without massive reconstruction.

She insisted that she could not live there while reconstruction was being done.

Recently I was asked for a historical rent roll and we can't produce it - I can reconstruct by hand but very painful.

The insurance agent came back with a reconstruction cost of $167,300.