Trusted Property Valuations | Fast Turnaround | RICS Regulated
Rebuild Cost Assessments & Reinstatement Valuations
Professional Insurance Rebuild Valuations
What is a Rebuild Cost Assessment?
A Rebuild Cost Assessment (RCA) provides an accurate estimate of the total cost to reinstate a property after a total loss, including:
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Demolition and debris removal
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Professional fees
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Construction and reinstatement costs
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External works, access and compliance allowances
Our assessments follow BCIS guidance and use current construction cost data.
A Rebuild Cost Assessment, sometimes called a Reinstatement Cost Assessment, helps determine the estimated cost of rebuilding a property for insurance purposes.
Having an accurate rebuild valuation is important to help avoid underinsurance or overinsurance.
We provide professional rebuild cost assessments for:
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Residential properties
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Buy to let properties
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Flats and apartments
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Commercial properties
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Investment properties
Desktop Rebuild Cost Assessment
A cost-effective, data-driven estimate using property details, digital measurements and industry benchmarking.
Ideal for standard houses and flats where construction is typical and property data is obtainable.
Includes:
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Measurement of GEA (Gross External Area) using OS plans and available data
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Construction assessment
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Detailed BCIS reinstatement calculation
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Digital Insurance Compliant Report
Best for:
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Standard residential properties
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Landlord portfolios
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Factors seeking quick updates
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Insurance renewals with good available data
Turnaround: 2–3 working days.
Site Survey Rebuild Cost Assessment
A detailed, on-site inspection carried out by an MRICS surveyor — recommended for complex, unique, Listed or high-value properties where desktop data is insufficient.
Includes:
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Full site inspection
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Measurement of GEA (Gross External Area)
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Construction assessment
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Detailed BCIS-based reinstatement calculation
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Digital Insurance Compliant Report
Best for:
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Listed buildings
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Historic or stone-built properties
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Large or unusual layouts
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Mixed-use / commercial-residential blocks
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High value properties
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Multiple property developments
Turnaround: 5–7 working days depending on access.
Why your Rebuild Cost is important?
Many property owners rely on outdated estimates or online calculators which may not reflect the true rebuilding cost of a property.
A professional rebuild valuation provides a more accurate figure based on the property type, construction and location.
01
Prevent Underinsurance
Many buildings are underinsured by 20–40%, leaving owners exposed if a major claim occurs.
02
Meet Insurer Requirements
A professional Rebuild Cost is required for most commercial and landlord portfolio insurance policies.
03
Reduce Risk for Property Managers
An accurate RCA protects factors from liability in the event of a claim.
04
Ensure Consistency Across Portfolios
Ideal for managers responsible for multiple blocks needing standardised, compliant rebuild values.
Why choose the Valuation Hub?
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RICS-regulated practice
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All RCAs completed by a Chartered Surveyor (MRICS)
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BCIS-compliant calculations
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Fast turnaround times (3–5 working days)
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Clear fixed-fee pricing
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Scotland-wide coverage
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Professional indemnity insured
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Reliable reporting trusted by insurers and brokers
What We Need From You
To complete an RCA, we typically need:
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Address of the property
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Number of units (for blocks)
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Access arrangements (for full inspections)
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Any existing plans or schedules (if available)
We will confirm the fee in advance - no hidden costs.
