Insurers profit from your underinsurance.
Most property owners don’t find out they’re underinsured until it’s too late. A RICS reinstatement cost assessment gives you the one figure that keeps your insurer honest.
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.
Desktop Reinstatement Cost Assessment
A fast, accurate rebuild cost assessment produced entirely remotely. No site visit required, ideal for standard residential and commercial properties.
How it works
Our surveyors use property records, floor area data, and live BCIS construction cost indices to produce your RICS reinstatement cost assessment without a site visit.
Who it is for
Standard homes, buy-to-let properties, HMOs, retail units, and warehouses with straightforward construction and no listed status.
Turnaround
Delivered within 5 working days of instruction. Faster turnaround available on request. Contact us to discuss your deadline.
What you receive
A fully RICS-regulated reinstatement cost assessment report stating your current rebuild cost, accepted by all UK insurers and brokers without challenge.
On-Site RICS Reinstatement Cost Assessment
A full physical rebuild cost assessment carried out by a RICS-regulated surveyor. The most accurate reinstatement cost assessment available, essential for listed, complex, or high-value buildings.
How it works
A RICS-regulated surveyor attends your property, measures every element in person, assesses specification and construction, and delivers a full reinstatement cost assessment on-site.
Who it is for
Listed buildings, non-standard construction, complex commercial or industrial premises, and high-value assets where a desktop rebuild cost assessment cannot capture full detail.
Specialist coverage
Our surveyors are experienced in listed building requirements, specialist materials, M&E installations, curtilage structures, and large commercial floor plates.
What you receive
A comprehensive RICS reinstatement cost assessment with full site notes, photographic evidence, and a rebuild cost figure that will withstand insurer or legal scrutiny.
3-Year RICS Reinstatement Cost Assessment
Full RICS reinstatement cost assessment plus three years of BCIS-indexed annual rebuild cost updates. Ongoing compliance with no repeat instruction required.
How it works
We carry out a full RICS reinstatement cost assessment, then deliver BCIS-indexed annual rebuild cost updates automatically each year for three years.
Who it is for
Landlords, portfolio managers, managing agents, and property owners who need continuous RICS reinstatement compliance without commissioning a new assessment each year.
Annual BCIS updates
Each annual update applies the latest BCIS construction cost indices to your rebuild cost figure, keeping your reinstatement cost assessment accurate as material and labour costs change.
What you receive
A broker-ready RICS reinstatement cost assessment report at inception, followed by three annual rebuild cost update certificates accepted by all UK insurers.
Find your perfect assessment.
| Feature | Desktop Assessment | On-Site Survey | Best Value 3-Year Protection |
|---|---|---|---|
| RICS-regulated report | check_circle | check_circle | check_circle |
| BCIS live cost data | check_circle | check_circle | check_circle |
| Broker & insurer accepted | check_circle | check_circle | check_circle |
| Demolition costs included | check_circle | check_circle | check_circle |
| Professional fees included | check_circle | check_circle | check_circle |
| Professional indemnity backed | check_circle | check_circle | check_circle |
| Physical site inspection | cancel | check_circle | cancel |
| Annual BCIS index update | cancel | cancel | check_circle |
| 3-year RICS compliance | cancel | cancel | check_circle |
| Listed / complex buildings | cancel | check_circle | cancel |
| Best for | Standard residential & commercial | Listed, high-value & complex | Landlords & portfolio managers |
Not sure? Contact us and we’ll recommend the right assessment for your property.
Frequently Asked Questions.
Everything you need to choose the right reinstatement cost assessment service, stay compliant, and protect your property from underinsurance.
Which reinstatement cost assessment 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 rebuild cost assessment 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 reinstatement cost assessment plus automated annual updates, ensuring your rebuild value stays accurate and compliant as construction costs change.
Do I really need annual updates to my reinstatement cost assessment?
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 reinstatement cost assessment 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 reinstatement cost assessment 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 reinstatement cost assessment 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.