Reinstatement cost assessment in Codicote
- 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 should check your rebuild costs whenever you renew your home insurance policy. The law requires accurate cover to protect you from financial loss.
- When taking out new buildings insurance
- Every three years for a review
- After adding an extension or loft
- If your home is legally protected
- Before selling or buying the property
What happens on the day
A qualified professional will visit to measure your home and check how it was built. They look at everything from the roof to the underground pipes.
- The surveyor measures all room sizes
- They check your walls and roof
- Special features get noted for quality
- External walls and drives are inspected
- The expert calculates site clearance fees
- Professional fees are added to totals
How to prepare
- Find your current building insurance documents
- Locate any original floor plans available
- List all recent home improvement works
- Check if your home is listed
- Identify where your property boundaries sit
- Clear access to all rooms and lofts
- Note down any recent planning permissions
- Keep records of your garden outbuildings
How to improve your result
- Keep all receipts for major renovations
- Ask for a RICS regulated surveyor
- Check your policy for inflation protection
- Update your figure after new windows
- Include high quality fences and walls
- Review your cover after every extension
Why it is useful day to day
Having the right figure gives you total peace of mind if disaster strikes. You will know your insurance company can cover the full bill.
- Prevents nasty surprises during a claim
- Stops you paying for too much cover
- Ensures you meet your mortgage rules
- Protects your investment for the future
- Helps you plan for major renovations
Why we ask these questions
This assessment helps you understand the true cost of materials and professional help. It removes the guesswork from your insurance documents.
- Why market value is very different
- How inflation affects building material costs
- Why site clearance costs are included
- What professional fees you might face
- How landscaping impacts the total figure
Frequently asked questions
Often needed alongside
- Recurring
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- Fixed price
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Market, probate or lending valuation
- Legal requirement
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HomeBuyer survey (Level 2)
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Offices, shops, industrial units
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Residents' management company D&O insurance
Directors' cover for RMC and RTM boards
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Full building survey (Level 3)
In-depth survey for older or altered homes
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Property owners' liability
Public liability for owners and freeholders