Chapter Overview: Dwelling Coverage and the True Cost to Rebuild
Dwelling coverage is the foundation of a homeowners Policy, yet it is also one of the most misunderstood parts. This chapter focuses on what it really costs to rebuild a home after a loss, why those costs are often underestimated, and how common assumptions can leave dwelling limits out of sync with reality.
RallyBack Articles in this Chapter
What Dwelling Coverage Actually Pays For
Dwelling coverage is meant to rebuild your home, not restore its market value. This article explains what is included, what is excluded, and why understanding this distinction matters during recovery.
Replacement Cost, Extended Replacement, and Guaranteed Coverage
Not all dwelling coverage is structured the same way. This article walks through the different types of replacement coverage and explains how each one behaves when rebuild costs exceed expectations.
Why Rebuild Estimates Are Often Wrong
Many dwelling limits are based on quick estimates that miss important details. This article explores how rebuild estimates are created, why they fall behind, and where the biggest gaps tend to appear.
Demand Surge and Post Loss Construction Costs
After major events, rebuilding becomes harder and more expensive. This article explains demand surge, how it affects labor and materials, and why it plays such a large role in underinsurance.
Building Codes and Ordinance or Law Coverage
Rebuilding often requires meeting newer building codes. This article explains how code upgrades add cost, why they surprise homeowners, and how ordinance or law coverage fits into the picture.
Signs Your Dwelling Limit May Be Too Low
Some warning signs appear before a loss ever occurs. This article helps you recognize indicators that your dwelling coverage may not reflect what rebuilding would actually require today.
Learn More
Rebuilding a home is one of the most expensive and complex parts of recovery, and small assumptions can have large consequences. The next article explains what dwelling coverage really pays for and why understanding that scope is essential before looking at numbers.
Let’s keep going…!