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RICS Reinstatement Cost Assessments. Three tiers, one specialist firm.

Desktop Assessment for standard properties, On-Site Survey for listed and complex buildings, and the 3-Year Protection Plan for ongoing RICS compliance. Every instruction is RICS-aligned and broker-ready.

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RICS Reinstatement Cost Assessment building survey

Desktop, On-Site and 3-Year Protection - RICS-aligned assessments for every property type.

Our Services

Generic tools cannot replace a RICS Reinstatement Cost Assessment.

UK construction costs rose over 30% between 2020 and 2024 - any figure not formally reviewed in that period is materially inaccurate. Only a RICS-aligned assessment is defensible with your insurer.

Check Your Sum Insured

Online calculators

No accountability. Not defensible in a dispute.

Index-linking alone

Adjusts the figure. Does not replace a review.

Old or inherited valuations

Stale figures create underinsurance risk.

RICS-aligned Reinstatement Cost Assessment

Specialist, documented. Accepted by every UK insurer.

Our Services

Pick the assessment that fits your property.

Desktop Reinstatement Cost Assessment service

01. Desktop

RICS RegulatedRICS

Desktop Reinstatement Cost Assessment

BCIS-indexed rebuild cost modelling without a site visit. Delivered within 24 hours of instruction. Accepted by all UK insurers.

  • RICS-regulated, broker-ready report
  • BCIS-indexed rebuild cost modelling
  • Delivered within 24 hours of instruction
  • Accepted by every UK insurer
Request Desktop Assessment

Listed or non-standard property? An On-Site Survey may be required instead.

RICS surveyor conducting an on-site Reinstatement Cost Assessment

02. On-Site

RICS RegulatedRICS

On-Site Rebuild Cost Assessment

A RICS surveyor attends in person for full measurement and construction analysis. Required for listed, heritage and complex buildings.

  • RICS-regulated, broker-ready report
  • Surveyor attends in person, full measurement
  • Required for listed, heritage & complex buildings
  • The insurer-preferred option for high-value risk
  • Accepted by every UK insurer
Request On-Site Survey

Managing more than one property? Ask about the 3-Year Protection Plan.

Best Value
3-Year RICS Reinstatement Cost Assessment protection plan

03. Recommended

RICS RegulatedRICS

3-Year Reinstatement Cost Assessment Plan

One instruction covers three years of RICS compliance — full Reinstatement Cost Assessment in year one, annual BCIS-indexed renewal reports before each renewal date.

  • RICS-regulated, broker-ready report
  • Full assessment year one, indexed updates years two & three
  • One instruction, one invoice - no re-instructing
  • The preferred choice for agents & portfolio landlords
  • Accepted by every UK insurer
Enquire About Protection Plan

Saves the cost and admin of re-instructing every year.

Your Protection

Your RICS report is your legal shield.

Every assessment we deliver is a formal RICS-compliant report the recognised standard accepted by all UK insurers, loss adjusters and courts. It documents the correct sum insured, the methodology used, and the review date, creating a defensible paper trail that protects you at every stage.

Under UK insurance law, the obligation to insure at full reinstatement cost falls on the building owner or managing agent. A professionally prepared RICS report is the evidence that you discharged that duty it limits personal liability if a claim arises and prevents insurers from applying the average clause to reduce a payout.

Get Your RICS Report

RICS-compliant documentation

Prepared to Royal Institution of Chartered Surveyors guidance the standard recognised by every UK insurer, broker and court.

Professional indemnity backing

Every report is covered by our PI insurance. If the figure is ever challenged, you have an independently insured professional standing behind it.

Limits your personal liability

Demonstrates you took reasonable professional steps to set the declared value protecting directors, managing agents and freeholders from personal claims.

Prevents the average clause

Insurers apply the average clause to reduce payouts when a property is underinsured. A current RICS report is the strongest defence against it.

Coverage

Reinstatement Cost Assessments across the UK.

Our desktop Reinstatement Cost Assessment is available for any property nationwide, typically delivered within 24 hours. On-site rebuild cost surveys are carried out across England, Scotland, Wales and Northern Ireland - including established demand in London, the Midlands, Birmingham and Sussex.

Wherever the property sits, every report is BCIS-indexed to local rebuild costs and accepted by all UK insurers.

Request an Assessment

Regions we assess

LondonMidlandsBirminghamSussexEnglandScotlandWalesNorthern Ireland
FAQ

Common questions.

Still deciding? Use these answers to narrow it down, or contact us and we'll recommend the right service for your property.

A desktop Reinstatement Cost Assessment covers most standard residential and commercial properties and is delivered within 24 hours. An on-site rebuild cost assessment is required for listed buildings, non-standard construction and high-value or complex assets. If you manage multiple properties or need ongoing RICS compliance, the 3-Year Protection Plan provides a full Reinstatement Cost Assessment in year one, with annual BCIS-indexed renewal reports before each renewal date. Contact us and we will recommend the right service.

Desktop Reinstatement Cost Assessments are delivered within 24 hours of instruction for standard residential and commercial properties. On-site rebuild cost assessment programmes are confirmed and scheduled on instruction contact us to discuss your timeline.

Yes. Every Reinstatement Cost Assessment and rebuild cost assessment we produce is RICS-aligned and broker-ready, accepted across the UK insurance market without amendment. Each report documents the declared value, methodology, assumptions and review date in the format brokers and loss adjusters expect.

Yes. Our on-site Reinstatement Cost Assessment service covers all listed building categories Grade I, Grade II* and Grade II. Listed properties cannot be assessed by desktop: they require physical inspection by a specialist surveyor to capture heritage materials, conservation consent costs, specialist trades and extended programme costs that generic rebuild cost tools cannot account for.

Yes. We produce individual RICS-regulated Reinstatement Cost Assessment reports per property with a consolidated portfolio summary schedule, all under a single engagement letter. Under the 3-Year Protection Plan, annual BCIS-indexed rebuild cost updates are delivered across the entire portfolio before each renewal no re-instructing required.

A full Reinstatement Cost Assessment covers demolition and site clearance, structure, external fabric, internal finishes, communal areas, lifts and services, professional fees, statutory fees (planning, Building Regulations, party wall), and VAT where applicable. The report documents the declared value, the methodology, all key assumptions, and the date a reassessment is due.