There is a huge difference between "don't use the space at all" and "don't build buildings that are unsuited for the location". There is also a difference betw

There is a huge difference between "don't use the space at all" and "don't build buildings that are unsuited for the location". There is also a difference between "my roof was damaged by high wind" repairs and "my house and everything I own floated away due to storm surge" repairs. I'm not trying to speak for OP, but typically the style of "2 and then done" plans are for the latter style of damage (where the damage is into the low-mid 6 figures), not the former (where damage is low-mid 5 figures).