08/22/2026
Total reconstruction costs, including materials and retail labor, increased 4% from July 2025 to July 2026, according to the Verisk third quarter report, “360Value Quarterly Reconstruction Cost Analysis. This marks a slight deceleration from 4.2% from July 2024 to July 2025. In the second quarter of 2026, costs increased 1.2%.
For residential reconstruction, total costs increased by 3.8% from July 2025 to July 2026 and 1.2% from April 2026 to July 2026. Residential reconstruction costs increased year over year in all states, with Kansas experiencing the largest increase of 5.3%, followed by Michigan and Oklahoma at 5.1%.
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