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Why am I being told that I can’t or shouldn’t rebuild?

It’s becoming increasingly common to discourage reconstruction in disaster-prone areas such as barrier islands, flood plains, or wildfire-prone forests. The discouragement might come from local governments rezoning certain areas or new building codes that make reconstruction too expensive. The Federal government might withhold disaster relief if you’re rebuilding in an area they don’t approve of. Finally, insurers are increasingly refusing to cover properties that may need to be restored or rebuilt again in the near future.

Additional Recommended FAQs

Can I choose to improve my building during reconstruction?
Will insurance cover temporary office, manufacturing, or storage space while my building is being rebuilt?

Some types of insurance will cover expenses like this.

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How do I know whether to restore or rebuild my building?

Deciding whether to restore your building or tear it down and start again can be difficult.

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Why can’t I make the new building just like the old one?

In some cases, you can’t rebuild the old building because the building codes have changed since the original construction.

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