Rebuild Cost Calculator

About Rebuild Cost Calculator

By Severance Calculator Editorial · Updated

Mission

Rebuild Cost Calculator estimates the cost to fully reconstruct a single-family home from scratch — the Coverage A figure that drives right-sizing of homeowners insurance dwelling coverage. The site is operated as Rebuild Cost Calculator Editorial, a pseudonymous editorial entity backed by a sole-member LLC. The intent is to publish methodology transparently rather than to brand individuals.

Source priority

Every numeric output on the site traces to one or more of the following publicly available sources:

  • NAHB Cost of Constructing a Home (regional $/sqft baseline; biennial).
  • US Census Bureau Survey of Construction (annual cross-validation).
  • BLS PPI series WPUIP2311001 (materials) and WPUIP2311102 (labor), accessed via the FRED API (monthly inflation adjustment).
  • US Census Bureau Building Permits Survey (380+ MSA cost modifiers, monthly).
  • BLS Quarterly Census of Employment and Wages NAICS-23 (annual labor-cost cross-validator).
  • ICC Building Valuation Data (construction-type ratio reference; cross-checked against NAHB and state DOI worksheets every two years).
  • FEMA NFIP Risk Rating 2.0 state profiles (sanity ceiling).
  • HUD 24 CFR §891 high-cost uplifts (AK / HI / Guam only).
  • State DOI consumer-help pages and replacement-cost statutes.

Review cadence

Data refresh schedule:

  • Inflation index — monthly (automated).
  • Metro modifiers — monthly (automated).
  • Wage cross-validator — annually (automated).
  • DOI URL validation — quarterly (automated).
  • NAHB regional baseline — biennially (manual).
  • ICC BVD ratio cross-check — biennially (manual).

Corrections policy

If you spot an error in a published number or a state-statute citation, email hello@rebuildcostcalc.com. We respond within five business days and publish corrections with a dated changelog entry on the methodology page. See our editorial team page for the full corrections workflow and update cadence.

Funding and conflict of interest

The site is funded by display advertising via Google AdSense. We do not sell insurance, accept commissions from carriers or brokers, accept referral fees from appraisers or replacement-cost-estimating-software vendors, or take payment for editorial placements. Editorial decisions about which sources to cite and which scenarios to cover are independent of advertising revenue. We do not pay for backlinks and we do not accept guest posts.

What this site is not

Not a licensed insurance agent, broker, appraiser, or adjuster. Not legal or financial advice. Not a quote tool. Not a claim-filing assistant. Not a contractor's bid. For coverage decisions, work with a licensed professional and obtain a formal replacement-cost appraisal. See disclaimer.

Contact

Email hello@rebuildcostcalc.com. We read every message and reply to most within a week. For factual corrections, please cite the page URL and the primary source you'd like us to compare against.