Reinstatement cost
assessments
Professional rebuild-cost assessments to help inform an appropriate buildings-insurance declared value.
Purpose
Buildings insurance rebuild cost
Intended use
Discuss with broker or insurer
Turnaround
Confirmed with quote
Based on
Latest construction costs
Market value vs. rebuild cost
These are fundamentally different concepts. Many property owners are dangerously under-insured.
Market Value
What your property would sell for on the open market.
- Includes land value
- Reflects location and condition
- Used for mortgages and sales
Reinstatement Cost
The actual cost to rebuild the property from scratch.
- Labour and materials to rebuild
- Essential for insurance coverage
Why This Matters
Many property owners insure using an outdated or unsuitable figure. If a claim occurs, under-insurance can affect the amount recovered. A professional reinstatement cost assessment provides evidence to discuss with your broker or insurer; it does not determine policy cover or guarantee a claim outcome.
What we include
Structural Rebuild
Foundation, walls, roof, internal walls, flooring, and structural elements.
Finishes & Fittings
Internal finishes, fixtures, fitted kitchens, bathrooms, and built-in elements.
Services & Systems
Electrical, heating, plumbing, gas, air conditioning, and all mechanical systems.
Professional Fees
Architects, surveyors, engineers, building control, and professional management.
Contingencies
Unforeseen costs during reconstruction and inflation adjustments.
Demolition & Debris
Cost to remove damaged structure and prepare the site for rebuilding.
Accurate assessments you can trust
London Specialists
Deep knowledge of London construction costs, labour rates, and materials.
Insurance-Focused
A documented assessment prepared for discussion with your broker or insurer.
Current Costs
Assessments based on latest construction costs and market rates.
Clearly Scoped
Relevant reconstruction allowances, assumptions and limitations set out clearly.
Clear Timescales
Inspection availability and target delivery date confirmed with your quote.
Clear Documentation
Detailed breakdown of costs. Clear methodology you can explain to insurers.
Questions? We have answers
Common questions about reinstatement cost assessments:
Ensure you're properly insured
Get a professional reinstatement cost assessment to discuss with your broker or insurer. Request a free, no-obligation quote.