re: What would it cost if your house flooded and you just wrote a check?

The finishing touches on houses can be vastly different. My cousin and I both have ~2500 Sq ft house. He paid about 200k more than I did just to build a new custom house, not including the lot (mine included everything). Flooring, counter tops, molding, cabinets, etc can all be vastly different in costs. That being said, I believe my replacement cost for my house is like 240k according to my insurance. So they'd write a check for that to rebuild comoletely. Gutting and remodeling I'd expect to be about 125-150k.