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<p>[QUOTE=&quot;ToughCOINS, post: 26602750, member: 20480&quot;]If I ask a contractor to rebuild my torched or twister-wrecked bedroom and kitchen, do you think he&#039;s going to charge me less than he would to build a bedroom and kitchen into a brand spanking new home?&nbsp; Why is he going to pass on new construction work to deal with the headaches of picking apart and integrating with existing structure?&nbsp; He&#039;s not.&nbsp; Therefore, it&#039;s not going to cost less than new construction.&nbsp; In fact, room-for-room, it&#039;s likely to cost more.</p><p><br /></p><p>Those assumptions are part of the dynamic that drives the cost of all homes and the insurance for all homes in a given area . . . not just new homes.&nbsp; When new homes in a given region go up in value, so too do the older ones, as does the cost of all construction along with them.&nbsp; Unfortunately, because the market ensures the contractor can get it, we must pay it.[/QUOTE]</p><p><br /></p>

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