I would normally agree but in the past I have seen several cases where
because of flooding or a fire the owner affected has just decided to
throw in the towel and go work for someone else since they did not
believe that they could rebuild. Sometimes it is because of the time
involved in rebuilding or the expense. At some time in our lives, we
all reach the point where there is no point to rebuild. Shortening the
time or reducing the cost can make the difference between a business
rebuilding after a disaster or not.

TMT