1. A method for estimating a reconstruction cost for a designated area within a building, comprising: providing access to a database of reconstruction-pricing data comprising: (a) a plurality of price-index data indexed by corresponding geographic location and representing reconstruction-pricing data for a plurality of different building types and a plurality of different building-area types within a building, (b) comparative building-category data representing relative pricing levels for reconstructing each of a plurality of different building categories, and (c) comparative building-area data representing relative pricing levels for reconstructing each of the plurality of different building-area types within a building; providing geographic-location data of a predetermined building; providing building category-defining data for the predetermined building; providing building area-type data for a designated area within the building, the building area-type data being selected from the plurality of different building-area types within a building; obtaining relevant price-index data from the database for the geographic location of the predetermined building based on the geographic-location data; obtaining relevant comparative building-category data from the database for the predetermined building based on the building category-defining data for the predetermined building; obtaining relevant comparative building-area data from the database based on the building-area type data for the designated area; and producing a reconstruction-cost estimate for the designated area within the building based on the relevant price-index data, the relevant comparative building-category data and the relevant comparative building-area data.