Let's say the house that burned was $500k (i have no idea). Insurance pays out $500k. Now, those people have to live for, what, maybe two three years while th

Let's say the house that burned was $500k (i have no idea). Insurance pays out $500k. Now, those people have to live for, what, maybe two three years while their house is rebuilt due to how many are destroyed? They have to use some of that $500k to pay rent some place. Many may not be able to then afford the newly rebuild house which will then get sold off to some off-island investor, because, well, then new house will inevitably be more expensive and they've use some of the payout from their old house.