Totaled doesn't necessarily mean completely destroyed. It just means the cost to repair is more than the value of the item. It is entirely possible for a house

Totaled doesn't necessarily mean completely destroyed. It just means the cost to repair is more than the value of the item. It is entirely possible for a house, or even a plot of land, to cost more to repair than it is worth. It's a bit more complicated, since location isn't entirely fungible, but I'd argue most people are willing to live in more than one specific plot of land.