RICS Regulated · Residential Property
Residential reinstatement cost assessments.
Accurate rebuild costs for houses and flats across the UK. RICS-regulated assessments your insurer will accept, BCIS-indexed and delivered within 48 hours.
RICS Regulated · London & UK
The basics
What is a residential reinstatement cost assessment?
It’s the cost of rebuilding your home from scratch — not what it would sell for. Market value includes the land and location; the rebuild cost is only the work of putting the building back, so the two are often very different.
It matters because most home policies apply a condition of average: insure for less than the true rebuild cost and the insurer can cut your claim by the same proportion. RICS recommends a fresh assessment every three years to keep the figure accurate.
Common challenges
Where home cover quietly slips.
Value, not rebuild cost
A purchase price or mortgage valuation includes the land — the rebuild cost is a different figure.
Index-linking drifts
Broad inflation figures can’t track local costs, so cover falls behind over time.
Calculators miss detail
Generic tools struggle with period features, extensions, and non-standard builds.
How we help
The right rebuild figure for your home.
Every type of home
Houses, flats, period, and non-standard construction.
A complete rebuild figure
Fees, debris removal, and regulations, not just the walls.
Broker-ready in 48 hours
RICS-regulated and BCIS-indexed, accepted by UK insurers.
What’s included
More than walls and a roof.
- The full rebuild of the home
- Demolition and debris removal
- Professional and design fees
- Building-regulation compliance
- Outbuildings and boundaries
- Inflation over the rebuild period
Recommended for you
The right assessment for your home.
Best fit · Desktop assessment
Desktop reinstatement cost assessment
Ideal for standard homes — accurate and cost-effective, with no site visit. Period or listed homes are better suited to an on-site survey.
- checkMost standard houses and flats can be assessed without a site visit.
- checkFast and cost-effective, using property records and live BCIS data.
- checkA fully RICS-regulated, broker-ready figure your insurer will accept.
Make sure your home is properly insured.
Get an accurate, RICS-regulated rebuild cost for your house or flat, BCIS-indexed, broker-ready, and delivered within 48 hours.
Frequently Asked Questions.
Common questions about residential reinstatement cost assessments, rebuild cost, and underinsurance.
What is a residential reinstatement cost assessment?
A residential reinstatement cost assessment is a professional calculation of what it would cost to rebuild your home from the ground up if it were destroyed. It covers demolition and debris removal, the rebuild itself, professional fees, and compliance with current building regulations. It is the figure your buildings insurance sum insured should be based on, and it is different from your home’s market value.
Why is the rebuild cost different from what my house is worth?
The market value of a home reflects the land and location as well as the building, and in many areas the land is a large part of the price. Rebuild cost reflects only the physical work of reconstructing the building. The two can be very different, which is why your insurance should be based on a proper rebuild figure rather than the purchase price or a mortgage valuation.
What happens if my home is underinsured?
Most home insurance policies contain a condition of average. If your sum insured is lower than the true rebuild cost, the insurer can reduce any claim payout in proportion to the shortfall, even for a smaller claim such as a kitchen fire. An accurate reinstatement figure protects you from having to fund the gap yourself.
How often should the figure be reviewed?
RICS guidance recommends a full reinstatement cost assessment at least every three years, with index-linking applied in the years in between. Building costs have risen sharply, so relying on index-linking alone for longer can leave you underinsured without realising it.
Do you assess flats, period homes, and listed buildings?
Yes. We assess houses, flats, period properties, and listed or non-standard construction across the UK. Standard homes are usually suited to a desktop assessment, while period, listed, or complex homes benefit from an on-site survey for full accuracy.
Will my insurer accept the report?
Yes. Every assessment is RICS-regulated and BCIS-indexed, and is prepared to be broker-ready and accepted by UK insurers as evidence of an accurate sum insured.