smoke, fire, and water damage = complete 100% tear out and rebuild. That will take some time.
Also depends on the insurance company...they won't pay extra for it to be done quickly unless it's in their best interest.
At first you think "poor Doug and Shane" because it was their livelyhood and an awesome place, but there's also the awesome waitresses, bartenders, cooks, etc who are all out of a job too....