Why do I need a Reinstatement Cost Assessment?

An RCA ensures you have sufficient insurance cover for your property. Underinsuring could leave you with significant financial loss if your property needs to be rebuilt after damage.

How often should I get an RCA?

It is recommended to have an RCA reviewed every three to five years, or after any significant alterations or extensions to the property, to account for changes in construction costs.

Does this include the land value?

No, an RCA specifically calculates the cost of rebuilding the structure itself, excluding the value of the land, which is not usually covered by building insurance.

What factors influence the reinstatement cost?

Factors include property size, construction materials, architectural complexity, location, quality of finishes, and current building material and labour costs.

Reinstatement cost assessment

Fixed price
Recurring

The short answer

Rebuild value for insurance

Price from: £300.00
Time on site: 1 to 2 hours

What you get

A professional report detailing the estimated cost to rebuild your property, used for insurance purposes.

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When do you need a Reinstatement cost assessment?

You need an RCA to ensure your property is correctly insured. It is vital for all property owners, especially if your property is leasehold or part of a block.

What happens on the day

A qualified surveyor will visit your property to measure and assess its construction type, features, and overall condition. They will collect all necessary information to prepare the report.

How to prepare

Ensure all areas, including loft and basement if applicable, are accessible.
Have details of any recent renovations or extensions.
Provide any existing plans or previous survey reports.
Inform the surveyor of any unusual or bespoke finishes.

How to improve your result

Review your RCA regularly, especially after major renovations.
Ensure your insurance policy is updated with the latest RCA figure.
Consider factors like demolition costs and professional fees.
Don't confuse market value with reinstatement cost.

Why it is useful day to day

Provides peace of mind, knowing your property is adequately insured against unforeseen damage or destruction.

Why we ask these questions

We ask about property type, age, construction materials, and any unique features because these factors significantly impact rebuilding costs. Knowing the size helps estimate the scope of work.

Frequently asked questions

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