Your base coverage may be a little light and you also need to ensure the code upgrade (increased cost due to building laws or ordinance) coverage is truly additional insurance. Very often this 10% code upgrade coverage is included within your Cov. A limit. As mentioned by another, debris removal is usually considered additional insurance along with trees, shrubs and other plants coverage. The only way to know your accurate rebuild SF cost is to have a qualified GC bid it based on exact like, kind and quality yourself. The valuation programs used by insurance co’s can never replace this and are usually missing the data needed to be even marginally accurate.
