50+ years of Rebuild Cost Assessments in the UK.
We are a RICS-regulated practice based in London’s West End, specialising exclusively in Reinstatement Cost Assessments.
50+ Years Experience
Decades of navigating evolving building codes, material costs, and insurance market shifts.
Technical Precision
Utilising proprietary BCIS data and advanced surveying technology to eliminate guesswork.
Liability Protection
Our reports are legally robust, providing a definitive shield against professional indemnity disputes.
Looking for a Reinstatement Cost Assessment for insurance purposes?
Not sure where to start? Here’s a quick guide to help you choose the right assessment.
Fast & EfficientDesktop Assessment
Best for standard residential or commercial properties needing a fast, accurate figure. No unusual features, no listed status, no complex architecture.
Best Value3-Year Protection
Ideal for landlords and asset managers who need ongoing RICS compliance without repeat instruction costs. Includes annual indexation updates.
Complex PropertiesOn-Site Survey
Essential for listed buildings, complex architecture, unusual construction, or high‑value assets where physical inspection is required for accuracy.
Most UK buildings are underinsured.
Is yours one of them? We establish your accurate building reinstatement cost, certified by RICS‑regulated surveyors, broker‑ready and typically delivered within 48 hours.
Accuracy
A precise rebuild figure that reflects your building’s true construction cost.
Legal Protection
Guards you against the legal and financial exposure of underinsurance when you claim.
Broker-ready
A RICS-regulated report accepted by UK insurers and brokers.
Choose your Assessment.
Every assessment is carried out by a RICS‑regulated surveyor. Contact us for a tailored quote.
Desktop Reinstatement Cost Assessment
Efficient, data‑driven remote valuation for standard properties.
- boltRICS‑regulated assessment, 48‑hour turnaround
- cloudBCIS‑indexed rebuild cost modelling
- location_offSite visit not included
On‑Site Reinstatement Cost Assessment
Full physical survey for listed, complex or high‑value buildings.
- searchRICS surveyor physical inspection
- architectureSpecialist reinstatement cost modelling
- engineeringListed buildings & complex structures
3‑Year Reinstatement Cost Assessment
Full reinstatement cost assessment plus 3 years of RICS‑compliant annual updates.
- updateAnnual BCIS‑indexed reinstatement updates
- security3‑year RICS reinstatement compliance
- analyticsBroker‑ready report every renewal
What you always get.
Regardless of which service you choose, every reinstatement cost assessment is delivered to the same RICS‑regulated standard.
RICS Regulated
Every report meets the Royal Institution of Chartered Surveyors standards.
Live BCIS Data
Figures are based on current Building Cost Information Service indices.
Broker‑Ready Report
Formatted for direct submission to your insurer or broker.
Professional Indemnity
All assessments are backed by full professional indemnity insurance, protecting your property and your position in the event of an insurance claim.
Dedicated Support
A named surveyor handles your assessment from instruction to delivery.
All Property Types
Residential, commercial, listed, industrial, and portfolio properties.
UK‑wide coverage
Reinstatement cost assessments across the UK.
From London and the South East to the Midlands, the North, Scotland, Wales and Northern Ireland. Wherever your property is, we deliver an accurate, RICS‑regulated rebuild figure you can rely on.
- London
- Manchester
- Birmingham
- Leeds
- Liverpool
- Bristol
- Sheffield
- Newcastle
- Nottingham
- Leicester
- Southampton
- Brighton
- Cardiff
- Edinburgh
- Glasgow
- Belfast
What is a Reinstatement Cost Assessment?
A detailed, RICS‑regulated calculation of the exact cost to rebuild your property from scratch, accounting for regional labour, material inflation, and professional fees. Built on facts, not estimates. UK rebuild costs are up around 40% since 2020 (BCIS), so a valuation that is not current is almost always wrong.
RICS‑regulated surveyors
Fully comprehensive.
Our reinstatement cost assessments calculate every cost - demolition, materials, labour, professional fees, and VAT. Nothing estimated. Nothing missed. A complete rebuild cost figure you can rely on.
RICS‑certified accuracy.
Every report is issued under RICS regulations and benchmarked against live BCIS construction data - giving you a figure your insurer cannot dispute.
Accepted by all UK insurers.
Our broker‑ready reports are submitted directly to insurers and accepted without challenge. No back‑and‑forth, no delays - just a compliant, insurer‑approved valuation.
Backed by professional indemnity.
Every assessment carries full professional indemnity insurance, which the RICS Rules of Conduct require every regulated firm to hold, so your reinstatement figure has real legal weight. If we got it wrong, you are covered. We never do.
Why online rebuild calculators aren’t enough.
Free calculators give a rough guide, not a figure that holds up when it matters. Here’s why they leave you exposed.
Not legally defensible
Online calculators aren’t RICS‑regulated and carry no professional liability, so the figure won’t stand up if an insurer challenges it at claim.
Generic averages
They apply broad regional averages and can’t account for listed status, non‑standard construction, specialist materials or complex layouts.
No certified sign‑off
A calculator output isn’t a certified assessment. Only a RICS‑regulated report gives you an insurer‑ and broker‑ready rebuild figure.
The hidden cost of getting it wrong.
Many UK properties carry an inaccurate reinstatement figure. Most owners won’t find out until they make a claim - by which point, the financial damage is already done.
RICS Review Cycle
Properties at Risk
The Condition of Average.
If you are 20% underinsured, your insurer can reduce your payout by 20% - even on a partial claim. This clause is common across UK buildings policies.
Construction costs are rising fast.
The BCIS Materials Cost Index shows construction material prices up more than 20% since 2020. A valuation from three years ago can quickly fall out of date.
One accurate reinstatement cost assessment fixes this.
A RICS‑certified Reinstatement Cost Assessment gives you a compliant, insurer‑accepted figure. See our services →
Reinstatement Cost Assessments for every property type.
From London homes to national commercial portfolios - RICS‑regulated reinstatement cost assessments delivered across the UK.
Homeowners
Accurate reinstatement cost assessments for London and UK homeowners - covering standard homes, period properties, and listed buildings. Ensure your buildings insurance reflects the true cost to rebuild, not an outdated estimate.
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Commercial Landlords
RICS‑certified reinstatement cost assessments for offices, retail units, and mixed‑use properties across London and the UK. Protect against underinsurance and satisfy lender and insurer compliance requirements.
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Asset Managers
Consolidated reinstatement cost assessments for multi‑site portfolios. Broker‑ready reports with individual asset schedules, annual BCIS indexation, and full audit trail - built for institutional compliance.
View services arrow_forwardFrequently Asked Questions.
Everything you need to know about Reinstatement Cost Assessments, RICS compliance, and how we protect your assets.
How much does a typical reinstatement cost assessment cost?
Pricing depends on property type and size. Please get in touch for a bespoke quote.
Is RCA Ltd regulated by RICS?
Yes. Reinstatement Cost Assessment Ltd is a RICS Regulated Firm. Every assessment is conducted by or under the supervision of a RICS‑registered member, ensuring full regulatory compliance and professional accountability.
What areas of the UK do you cover?
We provide Reinstatement Cost Assessments across the whole of the United Kingdom. Desktop assessments are available nationally. On‑site surveys are available throughout England, Scotland, Wales, and Northern Ireland.
What information do you need to get started?
We need the property address, approximate floor area, construction type, and your contact details. Once received, we confirm your instruction and get started within one business day.
Are VAT costs included in the assessment?
Yes. We specify whether the figure is inclusive or exclusive of VAT, based on the property owner's VAT status and building type.
Do you assess listed buildings?
Absolutely. Listed buildings require specialist reinstatement cost assessment knowledge. Authentic materials and skilled craftsmen significantly inflate rebuild costs and demand expert handling.
How long does a site visit take?
A typical 10,000 sq ft office takes 90 minutes to 2 hours on‑site to ensure every structural detail is accurately captured.
Can you provide reinstatement cost assessments for a multi‑asset portfolio?
Yes. We specialise in national portfolio valuations and provide a consolidated report with individual breakdown schedules for each asset.
Do reinstatement cost assessments cover outbuildings and fences?
Yes. Our assessments include curtilage assets such as external parking, boundary walls, and ancillary structures, unless explicitly excluded by the client.
Can I instruct you directly or do I go through a broker?
You can instruct us directly. Many clients come to us independently before placing or renewing their insurance. We also work alongside brokers and insurers where required.