A median of $199,800 in a county seat a long way from a large construction market. The number most Safford policies get wrong is not the dwelling limit. It is how long you would be living somewhere else.
Additional living expense is capped by money, by months, or by both. In a rural county that cap gets tested.
Three things that follow from rebuilding in a small market rather than a metro one.
If the house is uninhabitable, the policy pays for somewhere else, but that cover is limited by a sum of money, a number of months, or both. In the Valley a rebuild might take months. In Graham County, with a smaller contractor base and materials trucked in, it can take considerably longer, and the limit does not extend because the delay was not your fault.
A $199,800 median is what houses change hands for. Labor, materials, debris removal and current code set what rebuilding costs, and in a thin market tradespeople travel, which is priced into the bid.
Rural Graham County is actively written by a shorter list of companies than a metro address, and the spread between the best and worst quote in a thin market tends to be wider rather than narrower.
The limits that get tested here and rarely elsewhere.
Both are stated in the policy. We will read yours and tell you whether it is realistic for this county.
Not a per-square-foot average from a statewide table. What a local builder would actually charge.
Rated directly, and worth confirming rather than assuming, because it also affects who will write the house.
Send the square footage and construction. We will work the rebuild and the time it would take, not just the price.
We check the loss of use limits against what a rebuild here really takes.
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