Any structure which meets the use requirements of this article and is nonconforming because of any of the following: lot area, width, frontage, height, FAR, coverage and/or yard regulations, may be restored or repaired in the event of partial destruction thereof without an application to the Zoning Board of Adjustment. For the purposes of this section, if a structure is substantially totally destroyed, then such destruction exceeds partial destruction and the structure may not be restored or repaired except in accordance with all current requirements of this chapter. In determining whether a structure has been substantially totally destroyed, a factor for consideration shall be (a) whether reconstruction (as defined in N.J.A.C. 5:23-6.3) of the structure will be such that, given the extent and nature of the work, the work area (as defined in N.J.A.C. 5:23-6.3) of the structure cannot be occupied while the reconstruction work is in progress; and (b) whether a new certificate of occupancy is required before the work area can be reoccupied.