Reinstatement Cost Assessments

The Risk of Underinsurance

Many property owners insure their buildings based on market value rather than the true cost of rebuilding. If a property is underinsured, insurers may reduce any payout following a claim. We provide accurate Reinstatement Cost Assessments to ensure your building is fully insured, protecting you from financial loss in the event of serious damage or total loss.

More Than Bricks and Mortar

Rebuilding a property involves more than construction materials alone. Our team carries out RICS compliant assessments that include all associated costs, such as demolition, site clearance, professional fees, and compliance with current building regulations. This ensures your declared value reflects the full cost of reinstatement, giving you confidence that you are properly covered.

Reviewing Your Insurance Cover

With rising insurance costs, it is important to balance value with protection. For portfolios or individual properties, we recommend a full Reinstatement Cost Assessment every three years to keep cover up to date. This helps avoid gaps in insurance while ensuring you are not paying for unnecessary cover.