If you have replacement cost on your policy HO-490 endorement, your company OWES you the cost to get the plane back to a "pre-loss" condition. This would include a reasonable amount for construction time. No different than if your house burned, paying for both material and labor. They don't just pay for the materials to rebuild but also the time involved. With a hobby I wouldn't press the issue to hard but... What is the difference between the cost of a Kit and the cost the kit and the money you would have to pay ot have a builder assemble it? You could reasonably expect that additional cost to be factored into a settlement. If it were my personal claim you can bet your butt I would demand it..
Jeff

PS most homeowners have the Replacement endorement on contents (HO-490) or something similar. If you don't then GET IT... A word from the wise