So it must have been the expensive items that were damaged - roof and windows - maybe wiring. Did you have sheet rock interior walls and ceiling? A concrete box isn't expensive to build, but it is the finishing touches that are costly.

So the cost of the foundation, block walls and tile might only have been $20 per sq ft, but the windows, interior walls and wiring were probably more like $80 per sq ft or so. Averaging out to $50 per sq ft.

Since Hurricane Keith I can say that we decided to go with a poured concrete roof and paid the high cost of storm shutters under the theory that we won't get too much damage next time around. It's expensive up front costs, but then you might not even need to bother with insurance in the future.

Of course I realize hind sight is 20/20