80% of UK buildings are underinsured.
Is yours one of them? Certified Reinstatement Cost Assessments by RICS-regulated surveyors, broker-ready and delivered in 48 hours.
Which service does your property need?
Not sure where to start? Here’s a quick guide to help you choose the right assessment.
Desktop Assessment
Best for standard residential or commercial properties needing a fast, accurate figure. No unusual features, no listed status, no complex architecture.
3-Year Protection
Ideal for landlords and asset managers who need ongoing RICS compliance without repeat instruction costs. Includes annual indexation updates.
On-Site Survey
Essential for listed buildings, complex architecture, unusual construction, or high-value assets where physical inspection is required for accuracy.
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.
Dedicated Support
A named surveyor handles your assessment from instruction to delivery.
All Property Types
Residential, commercial, listed, industrial, and portfolio properties.
Client Testimonials
What Our Clients Say.
Trusted by property buyers across the UK.
“Our insurer flagged we were underinsured at renewal. RCA Ltd came back within the week with a full reinstatement assessment turned out we were short by nearly £200k. Sorted now.”
James H.
Landlord, Manchester
“Used them for three properties now. Each report is thorough, clearly laid out, and my broker accepts them without question. Makes renewal so much easier.”
Sarah M.
Portfolio Landlord, Leeds
“Needed a reinstatement figure for a listed building most surveyors wouldn't touch it. These guys knew exactly what they were doing. Very happy with the result.”
David C.
Owner, Grade II Listed Property
“My mortgage lender required an up-to-date reinstatement cost assessment before completion. Got it back fast, no fuss, and the report was accepted first time. Would definitely use again.”
Emma T.
Homebuyer, Bristol
“We manage a mixed-use block and had been using the same insured figure for years. The assessment flagged a significant gap. Really glad we got it done before any claim arose.”
Robert O.
Property Manager, Birmingham
“The desktop assessment was great value. Clear methodology, BCIS-indexed, and the surveyor walked me through the figures on a call afterwards. Exactly what I needed.”
Claire S.
Buy-to-Let Investor, London
“Had a dilapidations dispute on a commercial lease and needed a solid reinstatement figure to back our position. The report held up without issue.”
Tom B.
Commercial Tenant, Edinburgh
“Straightforward process from start to finish. Submitted the details online, had the report in a few days, and my insurer was satisfied. No complaints at all.”
Priya S.
Residential Landlord, Leicester
“Our insurer flagged we were underinsured at renewal. RCA Ltd came back within the week with a full reinstatement assessment turned out we were short by nearly £200k. Sorted now.”
James H.
Landlord, Manchester
“Used them for three properties now. Each report is thorough, clearly laid out, and my broker accepts them without question. Makes renewal so much easier.”
Sarah M.
Portfolio Landlord, Leeds
“Needed a reinstatement figure for a listed building most surveyors wouldn't touch it. These guys knew exactly what they were doing. Very happy with the result.”
David C.
Owner, Grade II Listed Property
“My mortgage lender required an up-to-date reinstatement cost assessment before completion. Got it back fast, no fuss, and the report was accepted first time. Would definitely use again.”
Emma T.
Homebuyer, Bristol
50+ years of collective experience.
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.
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.
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 PI insurance, meaning your reinstatement figure has real legal weight. If we got it wrong, you are covered. We never do.
Why Managing Agents Choose Us.
Built for professionals who need compliance they can rely on, not guesswork.
RICS Regulated Firm
Every assessment is conducted by or under the supervision of a RICS-registered member. Full regulatory compliance, every time.
Professional Indemnity Insured
We carry comprehensive PI insurance on every instruction, giving you and your clients full protection.
Portfolio & Block Specialists
Experience across blocks of flats, mixed-use portfolios, commercial assets, and high-value listed buildings.
Broker-Ready Reports
Every report is formatted for direct submission to your insurer or broker, accepted without question.
Our Assessment Methodology
Instruction & Data Gathering
We collect property details, floor areas, construction type, and any specialist features.
BCIS-Indexed Modelling
Rebuild costs are calculated using live BCIS indices the same data used by major insurers.
RICS-Reviewed Report
A RICS-registered surveyor signs off every report before it is delivered to you.
The hidden cost of getting it wrong.
Over 80% of UK propertiescarry an inaccurate reinstatement figure. Most owners won’t find out until they make a claim - by which point, the financial damage is already done.
Estimated UK Gap
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. The clause is standard across UK policies and routinely enforced.
Construction costs are rising fast.
BCIS data shows UK build costs have risen over 30% since 2020. A valuation from three years ago is almost certainly out of date - and your insurer knows it.
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.