Reinstatement Cost Assessments

What is a Reinstatement Cost Assessment? (also called re-build valuation)

A Reinstatement Cost Assessment (RCA) provides an estimate of the cost of rebuilding a property following a total loss, such as fire or other major damage.


The assessment is based on the cost of rebuilding the property, rather than its market value or purchase price. It takes into account of the building itself and associated costs that may be incurred in a rebuild.


We carry out Reinstatement Cost Assessments for houses and blocks of flats, providing an independent assessment to help ensure the appropriate level of buildings insurance is in place.



For blocks of flats, an accurate assessment is particularly important as the rebuilding cost will generally be reflected in the buildings insurance arranged for the property and ultimately paid through the service charge.

How it works

  • 1. We arrange the assessment

    We discuss your property and confirm the information we need before arranging an inspection. 

  • 2. We inspect and measure the property

    We visit the property to assess its size, construction, accommodation and relevant features. For larger or more complex properties, we may need additional information to complete the assessment. 

  • 3. We calculate the reinstatement cost


  • 4. We provide the assessment

    You receive a written report setting out the reinstatement cost and the basis on which it has been calculated.

  • 5. Keep the assessment under review

    Reinstatement costs change over time. We recommend that RCAs be reviewed periodically and following significant alterations or extensions to the property.

Free quote

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