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Reinstatement Cost Assessments (RCA)

Our Reinstatement Cost Assessment service provides a report for insurance purposes that delivers the right level of cover for your buildings. This is vital to avoid under insurance or paying higher than required premiums.

Insurers require a professional assessment of a building’s rebuilding cost assuming total destruction. A professional independent assessment of building reinstatement costs is needed to reflect changing building construction costs and any adaptations made to the building since the previous assessment. This assessment is typically reviewed in detail on a 3-year cycle, often for an estate of multiple buildings.

We have an extensive track record of compiling building reinstatement cost assessments as one of our core services, which has included high value or landmark property. We thoroughly inspect each property to be assessed, ranging from large portfolios to single buildings, often as part of a due diligence acquisition instruction. Our sectors for this service include automotive, healthcare, hotels, industrial & logistics, offices, residential, retail and student accommodation.

Our assessments are prepared on the basis of a ‘day one reinstatement’ figure, which is the equivalent of a fixed price competitive tender from a suitable contractor for works to commence on the first day of the period of insurance together with appropriate allowances for historic features, demolition and other costs and all project fees.

Our Reinstatement Cost Assessment report includes an outline technical description of the building with a schedule of floor areas. In addition, we advise on total construction time to support your insurer’s inflation calculations. Our reports enable insurance broker analysis of the values at risk and potential losses, which supports your insurer premium negotiations.

Benefits of this service

  • Delivers the right insurance cover and premium level.

  • Our cost effective assessments are trusted by insurers.

  • Professional report for each building with all relevant details.

  • Supported by cost intelligence from our national offices.


Service options

  • Any scale of portfolio and tailored assessment reports

  • Floor area checks following our detailed site inspection

  • Direct liaison with your insurers on approach and report format

  • Utilising existing client drawing and cost information


We have a highly experienced and large national team and are able to assist you from the thorough property inspections through to interrogating existing estate data. Our Chartered Building Surveyors are supported by our in-house team of Cost Consultants who assist us during the cost benchmarking process to provide added assurance that our costs are suitably evidenced based using published data and our own cost information.


Our RCA services are delivered in accordance with current RICS guidelines. We can also offer assistance with insurance claims, liaison with loss adjusters and monitoring insurance reinstatement projects.

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