Disclaimer
By Severance Calculator Editorial · Updated
Not legal, financial, or insurance advice
The Rebuild Cost Calculator is an editorial calculator. It is not a substitute for the advice of a licensed insurance agent or broker, a licensed appraiser, a public adjuster, an attorney, or a financial professional. Calculator outputs are estimates derived from the square footage, construction type, location, and other inputs you enter combined with data tables the site maintains. Numbers may differ from those produced by carrier replacement-cost-estimating software, a professional appraisal, or a contractor's bid.
Insurance coverage disclaimer
Insurance Coverage Disclaimer. The rebuild cost estimates produced by this site are derived from publicly available construction cost data (NAHB, US Census Bureau, BLS, ICC, FEMA). They are intended for informational purposes only and as a starting point for coverage discussions with a licensed insurance professional. Carrier-specific replacement-cost-estimating software (Xactware, CoreLogic 360Value, RSMeans) may produce different numbers; carrier underwriting requirements vary; and post-disaster reconstruction premium can materially exceed the values displayed here. Obtain a professional appraisal before purchasing or renewing coverage. We are not licensed insurance agents, brokers, appraisers, or adjusters.
Metro modifier precision
The calculator applies metro-area cost modifiers derived from the US Census Bureau Building Permits Survey and BLS labor data. Within a metro, individual zip codes and neighborhoods can deviate ±10–25% from the metro average due to lot accessibility, local labor markets, debris-removal costs, and code-upgrade requirements (sprinklers, seismic, hurricane straps). For a parcel-specific number, obtain a professional replacement-cost appraisal. The construction-type and finish-level math itself (the base $/sqft × multipliers) is deterministic regardless of metro precision.
Cost data currency
Construction-cost indices change continuously. The site refreshes BLS PPI series and Census Building Permits modifiers monthly, NAHB regional baselines biennially, and ICC Building Valuation Data ratios biennially. Post-disaster "demand surge" can push reconstruction costs 20–50% above the indexed values shown here for 12–24 months in an affected region; if you are in or near a declared disaster area, treat the calculator's output as a floor, not a ceiling.
Use at your own risk
We make no warranties about the accuracy, completeness, or fitness for any particular purpose of the information on the site. Use of the calculator is at your own risk; we are not liable for any decision made in reliance on its outputs, including without limitation underinsurance, coinsurance penalties, or denied claims.