@Bharath Raj, My wife is a surgeon and I handle all of her real estate for her locations.  

I have been subjected to A LOT of nationwide high tech companies and I watch the auto, power sports, RE construction, industries from the sidelines.

Being a surgeon.

After you collect that data you will do what is called "reconstructing the owner's statement," which is a polite way of saying that you will start with what you've been given, then try to get closer to the truth by verifying everything you can and rebuilding that statement if necessary.

I think you could work with a really good custom builder and architect to design something that is reconstructable for the season.

Because as a young woman I had the body that people now pay plastic surgeons for [ they didnt back then] and was cute, and that was enough back then, I was able to marry and have kids and be happy.

The right of the Property owners and their successors and assigns, and the contractors or other agents of each, to construct, install, use, maintain, alter, add to, repair, remove, replace, reinstall and reconstruct electrical, water, sanitary sewer, natural gas, telephone, drainage connections, cable television or any other type of utility line, cable pipeline, conduit or other transmission medium, and any and all other improvements reasonably related to utility purposes (“Utility Improvements”) in, over, under, through and across the Roadway.

comment 3, no it is not paid to the insurance company but it is treated as a deductible ie you need to put it towards the payment of your rehab/reconstruction, just like an auto policy that requires you pay the body shop your deductible as a precursor or co-cursor of insurance funds dispersal

The implication in my case was that I wasn't able to secure traditional financing (getting a mortgage from a bank) because in the event if the property burns down and needs to be reconstructed, it can't be legally built as a triplex anymore. 

Discount surgeon?