I like the idea of using sweat equity to help home owners who may have been underinsured or otherwise not have adequate resources to build back the way they would like.

Greensburg, KS used a similar approach. Neighbors banded together and rebuilt 8 or 10 houses at a time. The framing, concrete, plumbing, electric, etc. were contracted out. Homeowners had to put in 20 hours of sweat equity per week and no one in the group moved in until all of the houses were complete.

This approach helped to bridge the gap between the insurance check home owners received and the cost of rebuilding. It also had the benefit of building a sense of community and ownership in the final product.