A few interesting points that I wasnt sure of. Prop 13 sub-market valuations carry through if you rebuild. The new home can be up to 120% of (the market value) of the old home without without triggering reassessment. beyond 120%, the difference is assessed at market value. I had to look this bit up because the video was unclear on that 120% meant, eg SQFT,ect.

As an aside, Im not sure where they found this cartoon character host to translate and emote for the dry county assessor

You have to hope your insurance claim is higher than (or at least as high as) your mortgage payout cost.