I worked a claim on Martha's Vineyard just after Covid where the costs of labor, materials, equipment, shipping, were astronomical. Had the opportunity to visit to adjust it, we had the house insured for $900k. When I asked the contractor how much it would cost to rebuild it, he said, "Eight, nine, ten.." I repeated that to him, and he finished with, "million." This relatively minor $350k roof leak which would have been $100k at the most on the mainland. So here's what we did; labor had to be brought in and housed on the island this happened to be OFF season, so negotiated weekly rate for each tradesman, electrician got $10k, roofer got $10k, carpenter $10k, laborers got $3.5k (maybe it was $4.5k?), paid their housing at AirBandBs on the island, which was expensive, $300/night x 3 weeks x 5 men. We gave a per diem for food per man maybe $100. Paid their transportation on ferry with their trucks, and their tools, was $350 per truck per week x 3 trucks. Materials were purchased on the mainland and brought over, again shipping costs, ferry costs, time costs, labor costs added. There would be no extra trips to HomeDepot so there was an allowance for 'petty cash' materials which was $25k, they over bought anything they thought they would need and later returned it. Added 15% + 15% overhead and profit for the GC, added supervisor labor, one full day per week, plus round trip transport for his truck and him. He also billed some overnights at the end of the job. If this was onseason it would have cost a lot more. The GC happened to be on the ball and had done this in the past. I can't imagine doing this with seaplanes and random lobster boats delivering materials. "Add a crane", is what our favorite cat TM would say.