Why does the Insurance company have any say over a REPLACEMENT home I might choose to buy over a REBUILD? What if I want to rebuild a different home than the one that was destroyed?
Your insurance company owes you to replace what you had, whether you rebuild the exact same house, a different type of home, or purchase a replacement home.
It is a better strategy to reach an agreement with the insurance company about how much it will pay to replace the destroyed house before discussing how you propose to replace your home