Reinstatement Cost Assessments
(RCA) – getting your insurance
cover just right
When it comes to insuring a property, getting the numbers right really matters. That’s where a Reinstatement Cost Assessment (RCA) come in – it tells you how much it would cost to rebuild your property from scratch, and that figure (known as the declared value or DV) becomes the basis for your insurance cover. Get it wrong, and things can get expensive.
If the DV is too high, you could be paying more than necessary in premiums. If it’s too low you might be left out of pocket – or worse, your insurer could refuse to pay the full amount (or anything at all) if disaster strikes.
Many policies have strict rules around this. For example, if your property is undervalued by more than 10%, your insurer may not cover the full cost of repairs. The Association of British Insurers says 1 in 5 households are underinsured – and some reports suggest it could be up to 80% That’s a lot of risk you don’t want to take.
What we offer
We provide expert, cost-effective and easy-to-understand RCAs for both residential and commercial properties – whether it’s one building or a whole portfolio.
Here’s what you can expect:
• A thorough block-by-block breakdown – so you can see exactly how your DV is calculated
• RCAs for all building types – from modern apartments to historic townhouses and commercial spaces
• Clear, simple reports – no jargon, no confusion
• Portfolio tracking – so you’re never caught out by an out-of-date RCA
• Volume service – save money with bulk assessments and two-year fixed fees
• Top-up desktop RCAs – quick updates after a full analysis has been completed
• Independent advice in disputes – we’ve got your back if your insurer challenges your figures
Want peace of mind that your building’s properly insured – without overpaying? Let’s get your RCA sorted.
