Discharge your compliance obligation.
As the agent responsible for placing cover, you carry a duty of care to every leaseholder in the building. A specialist RICS assessment is the defensible position that protects you, your PI cover, and your clients.
RICS-regulated assessments for managing agents and RTM companies across the UK.
Underinsuranceis your risk, not the freeholder's.
The average clause means insurers pay only a proportionate share of any claim when the declared value falls short. As the practical decision-maker on the declared value, the shortfall - and the leaseholder complaints - land with you.
A stale or inadequate valuation is the oversight that becomes a professional negligence claim. Under FCA Consumer Duty, leaseholders are now defined as customers - an unjustified sum insured fails that test too.
Get a QuoteApproach comparison
Stale valuation (3+ years old)
Creates PI exposure; average clause triggered on a claim.
Index-linking only
Compounds existing errors; no physical reinspection.
Online calculator or functional-unit rate
No professional indemnity backing; challenged by loss adjusters.
RICS reinstatement cost assessment
Defensible at every stage - PI-backed, broker-ready, compliant.
What We Deliver
Documented declared value - defensible at claim stage
Clear methodology statement for insurers and brokers
Review date and indexation guidance
Mixed-use itemisation for residential and commercial blocks
Professional indemnity backed assessment
Broker-ready format - forward directly, no rework
Phased portfolio scheduling to smooth service-charge cost
A broker-ready report that protects you, your PI file, and your clients.
We handle the technical assessment so you can demonstrate due diligence with confidence - to leaseholders, insurers, and regulators.
PI protection
A RICS-aligned assessment on the recommended three-year cycle is the defensible position that keeps a claim shortfall off your E&O file.
Full lease compliance
Discharge the insuring obligation under the lease and demonstrate fair value to leaseholders under FCA Consumer Duty.
Portfolio efficiency
Single instruction for multiple blocks; phased scheduling and a consolidated summary schedule included at no extra charge.
Built around your renewal cycle.
PI Protection
Every report is backed by professional indemnity insurance and produced to RICS guidance - the documented defence you need if a claim shortfall is ever questioned.
Read More24-hr Turnaround on Quotes
Instruction confirmed to quote within one working day. Survey and report delivery within 10â€"15 working days - no renewal window missed.
Read More3-Year Compliance
We flag the next recommended assessment date in every report and offer portfolio scheduling so your entire managed estate stays on cycle without admin overhead.
Read MoreWhat Our Customers Say
Managing agents, freeholders and property professionals across the UK.
Caroline F.
Managing Agent Director, London
“Looking forward to working with Stearling Reinstatement to give us reliable rebuild cost quotes across our managed portfolio.”
Sarah L.
Block Manager, Bristol
“Stearling Reinstatement had a RICS report back to us in 24 hours. The shortfall was significant and the broker corrected it before renewal.”
Priya N.
Portfolio Manager, Birmingham
“Handles all our assessments on a rolling three-year cycle. Takes the compliance burden completely off our desk.”
James R.
Freeholder, Manchester
“Straightforward process and the report was exactly what our insurer needed. Will be using Stearling Reinstatement at every renewal going forward.”
David M.
RTM Director, Leeds
“Our previous sum insured was badly out of date. Stearling Reinstatement gave us a RICS-backed figure we could actually rely on.”
Emma T.
Property Director, Edinburgh
“Quick turnaround and a clear report. Exactly what we needed ahead of renewal.”
Oliver K.
Senior Block Manager, Cardiff
“Confident the buildings we manage are now properly insured. Stearling Reinstatement made the whole process simple.”
Rachel B.
Insurance Broker, Birmingham
“The RICS certificate meant our underwriters accepted the sum insured without question. Great to have a reliable partner for reinstatement assessments.”
Tom H.
Portfolio Landlord, London
“Very professional service. Report arrived the next day and gave me the confidence my properties are correctly covered.”
Natalie W.
Managing Agent, Bristol
“We now instruct Stearling Reinstatement as standard across all our blocks. It has become a routine part of our renewal process.”
Chris P.
Commercial Property Manager, Glasgow
“Solid, no-fuss service. The report is clear and our insurer accepted it immediately.”
Fiona D.
Leaseholder Representative, Sheffield
“Finally feel confident our block is covered for the right amount. Stearling Reinstatement explained everything clearly.”
Get Started. No Obligation Required.
Tell us your property and we'll send a written fee estimate no contract, no commitment. If you proceed, your broker-ready RICS report is with you in 24 hours.
Why Stearling Reinstatement
Specialist only
Reinstatement cost assessments no general surveying, no distractions.
RICS regulated
Every assessment supervised by a RICS-registered member.
24-hr turnaround
Desktop assessments delivered within 24 hours of instruction.
PI insured
Professional indemnity cover on every instruction.
Common questions.
Common questions from managing agents and RTM companies about reinstatement cost assessments.