but, is it available for that amount now
Well, you run into the same issue with car values. Most of us have done a lot of fender-bender claims over the years between CAT work (will adjust for food...) and when you get a CCC evaluation on a 1992 Lexus with 98,000 miles that was in average condition, they will note comparable vehicles offered for sale or that have sold. By the time the claimant gets the settlement for their vehicle, those other ones that were on the market may have been sold.
Same with real estate, they look at comparable homes that have SOLD as basis for establishing market value. Of course our duty is financial - what is the amount on the check they get in their mailbox. We are not a guaranteed replacement service.
Here in California if you low-ball someone that is a violation of the Fair Claims Act (that many other states have subsequently adopted) and if you are settling a vehicle and the guy cannot find one for sale at the price you paid, there are methods for recourse which are part of State Law in the Insurance Statutes. When I settle a commercial claim for business property, or even a homeowners contents, if they go shopping for the item and find the initial valuation wasn't right - all they have to do is call.
I think all of this comes down to common sense, get the best info you can, pay what you owe when you know you owe it, and deal with the 2% that don't stay closed when the problem presents itself.