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reinstatement insurance for the building

Q: Tell us morI stay in Naupada, thane, Maharashtra. We are a society of 36 flats having approved buitup area shown in the approved plan by TMC as 19939 sq ft.

We are planning to get insurance cover for the reinstatement for the building.

I need someone to guide me how to calculate the total cost of reinstatement to be covered
Do we need to consider the plinth and other areas additional to this approved area.

Do we also have to add architect fees and derbies clearing charges in this calculation.

Do we also include tax on all these expenses and if yes how much.
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