We are not professional builders and do not specialize in estimating construction costs. The building coverage limits we provide are approximations based on data available online, from the policyholder, or from other knowledgeable sources about the property. These figures are calculated using industry-standard software and reflect considerations of the local construction market to estimate replacement costs. However, it's important to note that the actual expenses to rebuild or replace property may surpass the policy's coverage limits, particularly following a significant disaster that affects the availability of materials, labor, and resources. We cannot guarantee that the provided policy limits will fully cover the costs of rebuilding or replacing your property. If you are concerned about the sufficiency of your policy limits, we recommend seeking a professional appraisal or consulting with a qualified builder or firm capable of offering detailed replacement cost estimations.

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If you would like to learn more about the industry standard for building valuations, please visit this link to understand the Marshall Swift approach. 

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                         Residential                                                                                 Commercial

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