Desktop Assessment · UK-wide
Desktop reinstatement cost assessment, UK-wide.
An accurate, RICS-regulated rebuild cost for houses, flats and standard commercial units anywhere in the UK — produced entirely remotely, BCIS-indexed and delivered within 48 hours. No site visit required.
What it is
A full rebuild cost, without the site visit.
A desktop reinstatement cost assessment establishes the true cost of rebuilding your property from scratch — not its market value. Rather than sending a surveyor to site, we draw on detailed property records, floor area data and live BCIS construction cost indices to reach an accurate, defensible figure for the property’s location.
For the majority of standard-construction homes and commercial units, this is the fastest and most cost-effective route to a RICS-regulated sum insured. Every figure is prepared to the same professional standard as a full survey and is accepted by UK insurers without challenge.
How it works
Four steps, forty-eight hours.
Step 1
You instruct us
Send the property address and a few basic details. No appointment or access to the building is needed.
Step 2
We gather the data
We pull property records, floor areas and construction details, then apply live BCIS cost indices for the property’s location.
Step 3
We calculate the rebuild
A RICS surveyor produces a full rebuild figure covering demolition, professional fees and regulations.
Step 4
You receive the report
A broker-ready, RICS-regulated report lands in your inbox within 48 hours, ready for your insurer.
Who needs it
Ideal for standard UK property.
Homeowners & landlords
Standard houses and flats where a fast, accurate rebuild figure protects against underinsurance.
Buy-to-let & HMOs
Portfolio landlords who need compliant sums insured across multiple standard units nationwide.
Retail & warehouse units
Straightforward commercial premises of standard construction with no listed status.
Brokers & managing agents
Professionals needing a quick, defensible figure to place or renew cover with confidence.
Why it matters
Underinsurance is a nationwide problem.
Rebuild costs have risen sharply right across the UK — labour, materials and regulatory requirements all push construction prices up, and they vary widely by region. A sum insured based on a purchase price, a mortgage valuation, or an old online calculator almost always understates the real cost of rebuilding.
Most policies apply a condition of average: if you are insured for less than the true rebuild cost, the insurer can cut your claim by the same proportion — even on a small loss. A desktop RICS assessment closes that gap quickly and gives you a figure you can stand behind at renewal.
What’s included
More than walls and a roof.
- checkThe full rebuild of the property
- checkDemolition and debris removal
- checkProfessional and design fees
- checkBuilding-regulation compliance
- checkOutbuildings and boundaries
- checkInflation over the rebuild period
UK-wide coverage
Anywhere in the UK, remotely assessed.
Because a desktop assessment needs no physical visit, we cover the whole of the UK with the same speed and accuracy — from London and the South East to the Midlands, the North, Scotland, Wales and Northern Ireland.
Frequently Asked Questions.
Common questions about desktop reinstatement cost assessments for UK property.
What is a desktop reinstatement cost assessment?
A desktop reinstatement cost assessment is a RICS-regulated calculation of what it would cost to rebuild your property, produced remotely without a site visit. Our surveyors use property records, floor area data and live BCIS construction cost indices to establish an accurate rebuild figure for your buildings insurance sum insured.
Is a desktop assessment accurate enough for my property?
For standard-construction houses, flats, buy-to-let units, HMOs, retail units and warehouses anywhere in the UK, a desktop assessment is accurate, cost-effective and accepted by insurers. Listed buildings, non-standard construction and complex or high-value properties are better suited to an on-site survey where full detail can be captured.
How quickly can you deliver a desktop assessment?
Most desktop reinstatement cost assessments are delivered within 48 hours of instruction. Expedited turnaround is available on request if you are working to a renewal deadline.
Will my insurer accept a desktop RICS assessment?
Yes. Every desktop assessment is RICS-regulated and BCIS-indexed, and prepared to be broker-ready and accepted by all UK insurers as evidence of an accurate sum insured.
Where in the UK do you cover?
The whole of the UK. Because a desktop assessment needs no physical site visit, we assess properties in England, Scotland, Wales and Northern Ireland with the same speed and accuracy — from London and the South East to the Midlands, the North and beyond.