Duhhh, you hope they pay you the cost to replace your house. The same goes with gasoline. The cost of gasoline is based on replacement price. I have a gallon of gas, yes I paid $3.00 for it, now if I have to pay $3.05 to replace that gallon, what am I going to charge for it? If I charge $3.01 I can not replace the gallon and go out of business.