Over 100K is due to replacing a beam ( and the support posts ) supporting 2 of the units over the parking area and rebuilding the front porch area and back decks for those units.

I have seen foundations that have shifted or otherwise had structural issues, but never one that was rotted.To gut a small house back to four walls and rebuild it, might cost you upwards of $90K-100K.

How you want to insure it ACV or RC (Actual Cash Value, Replacement Cost) {Remember insurance carriers don't care what you purchase it for when it comes to replacement cost they care what it's going to cost to rebuild that property prior to the loss and make you whole again}The best thing to do is to get your own quotes on the property. 

I lived at Silverado for a decade so many of my old buds there got burnt out and many left as they were too old to rebuild.. changed a lot of the dynamics of the membership there. 

Rather than go through the extended process of rebuilding we have sold it to a (BP) Flipper. 

I have a 4plex that the insurance company is calculating $400k to rebuild, which seems high for me. 

We were fairly certain it would take 9-12 mo's to rebuild their house, and that's exactly how it played out.From the tenants' perspective, it turned sour b/c insurance stopped paying after 11 mo's even though their new house wasn't ready. 

  $80k sounds pretty high to me even to tear-down-rebuild, which is probably an excessive approach just to make parts align right.The dividing line between owner-occupiers and investors in buying and selling decisions is the investor approach is the numbers. 

The property is zoned single family and I called the city zoning who told me that it wouldn’t be an issue to rebuild should something happen but the appraiser said the highest and best use was a SFH.

As for coverages, I like to see between $115 and 125/sq foot for Dwelling coverage because rebuild price does not correlate with Market value.