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Same house but higher rebuilding costs, why?

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I have a friend living a few miles away whose house is practically identical to mine. Why is it that my rebuilding costs are so much higher than hers?

As far as the tiles are concerned, if they offered you the cash value of the tiles, then you have to accept that cash even if for the moment the tiles or that pattern are not available. If they will not pay cash for the tiles, you might also have to accept tiles of a slightly different in pattern if the intrinsic value of the tiled floor is not really adversely affected. As far as the carpet is concerned, the question is whether the carpet as repaired is at least of the same value as it was prior to the flood. If the answer objectively looked at is yes, then you must accept the repair. If the answer is no, then you are entitled to insist that whatever they do to the carpet it is restored to the same value as it was before the flood.