Three service 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.
Desktop, On-Site and 3-Year Protection - RICS-aligned assessments for every property type.
Generic tools cannot replace a RICS specialist.
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 InsuredOnline 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.
Three service tiers. One specialist.
Whether you need a fast desktop report, a full on-site inspection, or a managed three-year compliance programme, we have a service to match your property and your obligations.
01Desktop Assessment
BCIS-indexed rebuild cost modelling. Delivered within 24 hours. Ideal for standard residential and commercial property.
02On-Site Survey
RICS surveyor attends in person. Full measurement and material assessment. Required for listed and complex buildings.
033-Year Protection Plan
One instruction. Three years of RICS compliance. Annual index-linked renewal reports before each renewal date.
Pick the assessment that fits your property.
No Obligation
01. Desktop
Desktop Assessment
BCIS-indexed rebuild cost modelling without a site visit. Delivered within 24 hours of instruction. Accepted by all UK insurers.
Request Desktop Assessment02. On-Site
On-Site Survey
A RICS surveyor attends in person for full measurement and construction analysis. Required for listed, heritage and complex buildings.
Request On-Site Survey03. Recommended
3-Year Protection Plan
One instruction covers three years of RICS compliance full assessment in year one, annual BCIS-indexed renewal reports before each renewal date.
Enquire About Protection PlanYour 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 ReportRICS-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.
What 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.
Still deciding? Use these answers to narrow it down - or contact us and we'll recommend the right service for your property.