80% of UK buildings are underinsured.
Is yours one of them?
We provide RICS-regulated Rebuild Cost Assessments. Giving you the exact figure that protects your assets.
What is a Rebuild Cost Assessment?
A Rebuild Cost Assessment (RCA) is a detailed professional calculation of the exact cost to rebuild a property from scratch after total destruction.
Unlike generic valuations, our RICS-regulated process accounts for regional labor costs, current material inflation, and professional fees, ensuring your insurance policy is built on facts, not estimates.
Instruct
Provide basic property details through our secure digital portal or request an on-site survey.
Assess
Our experts use RICS-certified data to analyze structural elements, materials, and external site features.
Report
Receive a comprehensive report ready for your broker or insurer, highlighting the exact reinstatement sum insured.
Correct
Update your policy with total confidence, knowing you are neither over-paying nor dangerously under-protected.
The Risk of Underinsurance.
Recent data suggests that over 80% of UK commercial properties are inadequately insured. In the event of a total loss, the financial gap can be catastrophic for owners and investors alike.
Estimated Gap
Underinsured
Financial Consequences
The ‘Condition of Average’ clause means if you are 20% underinsured, your claim payout could be reduced by the same amount, even for partial damage.
Our Resolution
We provide RICS-regulated Rebuild Cost Assessments that align with current construction costs and inflationary trends. This gives you a figure you can rely on.
Why RCA Ltd?
With over 50 years of collective experience, we have refined a methodology that balances technical precision with high-end client care.
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.
Who We Serve.
Dedicated expertise for every tier of the property market, from individual legacy homes to sprawling institutional portfolios.
Homeowners
Protecting your legacy and ensuring accurate coverage for bespoke architectural features.
Commercial Landlords
Minimizing business interruption risks and maintaining rigorous compliance standards.
Asset Managers
Streamlined reporting and audit-ready data for multi-national property portfolios.
Get in Contact.
Phone
020 3178 8099
info@rca-ltd.com
Address
17 Hanover Square London W1S 1BN
Your assets, accurately valued and fully protected.
Frequently Asked Questions
Everything you need to know about Rebuild Cost Assessments, RICS compliance, and how we protect your assets.
How much does a typical RCA cost?
Small commercial units start from £450. Large or complex industrial estates and high-net-worth residences are quoted bespoke on a time-charge basis.
How often should I update my RCA?
RICS recommends a full RCA every 3 years, with annual desktop indexing in between. This accounts for sharp rises in construction materials and labour rates.
What are the risks of under-insurance?
Under the "Average" clause, being 20% under-insured means your insurer can cut any claim payout by 20%, leaving a major shortfall in a total loss scenario.
Does a market valuation work for insurance?
No. Market value is what a building sells for. Reinstatement cost is what it costs to fully rebuild, including demolition, fees, and modern materials. They are rarely the same.
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 RCA 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 RCAs 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 RCAs 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.
Is the 48-hour turnaround guaranteed?
For standard commercial and residential properties, yes. Highly complex industrial sites may require up to 72 hours to ensure full accuracy.