Insurers profit from
your underinsurance.
We don’t let them.
Most property owners don’t find out they’re underinsured until it’s too late. A RICS-regulated RCA gives you the one figure that keeps your insurer honest.
Which service do I need?
Not sure where to start? Here’s a quick guide to help you choose the right assessment.
Desktop Assessment
From £210Best for standard residential or commercial properties needing a fast, accurate figure. No unusual features, no listed status, no complex architecture.
3-Year Protection
Best ValueIdeal for landlords and asset managers who need ongoing RICS compliance without repeat instruction costs. Includes annual indexation updates.
On-Site Survey
From £675Essential for listed buildings, complex architecture, unusual construction, or high-value assets where physical inspection is required for accuracy.
Choose your Assessment.
Transparent, fixed pricing with no hidden fees. Every assessment is carried out by a RICS-regulated surveyor.
Desktop Assessment
Efficient, data-driven remote valuation.
- check_circleRapid 5-day turnaround
- check_circleRemote data modelling
- cancelSite visit not included
3-Year Protection
Comprehensive multi-year coverage.
- updateAutomated annual updates
- security3-year valuation compliance
- analyticsAdvanced market index tracking
On-Site Survey
Precision for complex structures.
- check_circleFull physical property inspection
- check_circleComplex architectural modelling
- check_circleExpert surveyor consultancy
What you always get.
Regardless of which service you choose, every RCA 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.
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 choose the right RCA service, stay compliant, and protect your property from underinsurance.
Which RCA service is right for my property?
Desktop Assessments suit standard properties needing fast, cost-effective valuations. On-Site Surveys are best for complex or high-value buildings. Our 3-Year Protection plan is ideal for long-term compliance with automatic updates.
What is a desktop rebuild cost assessment?
A desktop RCA uses remote data, property records, and construction cost modelling to deliver a fast and efficient rebuild valuation, without the need for a site visit.
When do I need an on-site survey instead of desktop?
On-site surveys are recommended for listed buildings, complex structures, non-standard construction, or high-value assets where accuracy and detail are critical.
What is included in the 3-year protection plan?
Our 3-Year Protection plan includes a full RCA plus automated annual updates, ensuring your rebuild value stays accurate and compliant as construction costs change.
Do I really need annual updates to my RCA?
Yes. Construction costs change rapidly. Without updates, your policy can quickly become inaccurate. Our automated updates keep your valuation aligned with current market rates.
Is a desktop RCA accurate enough for insurance?
For standard properties, yes. Desktop assessments provide reliable valuations using advanced modelling. However, complex properties benefit from on-site inspection for maximum accuracy.
How fast can I get my RCA completed?
Desktop assessments are typically completed within 5 days. On-site surveys and complex properties may take slightly longer depending on scope and access.
Why does an on-site survey cost more?
On-site surveys involve a full physical inspection, detailed measurement, and expert analysis of materials and structure. This delivers the highest level of accuracy for complex buildings.
What happens if I choose the wrong RCA service?
We review every instruction before proceeding. If your property requires a higher level of assessment, we will advise you to ensure your valuation is accurate and compliant.
Is the 3-year plan better value than single assessments?
Yes. The 3-Year Protection plan spreads cost while ensuring ongoing compliance and accuracy, removing the risk of outdated valuations between assessments.