Reinstatement Cost Assessments

Protecting you from underinsurance, overinsurance, and costly surprises

Reinstatement cost assessments (RCA) are a professional valuation that estimates how much it would cost to rebuild a property if it were completely destroyed (for example, by fire or flood). Utilised for insurance the purpose is to determine a Declared Value—the amount an insurer uses to set the premium and the maximum they will cover in a total-loss scenario.

If your building is insured for less than the true rebuild cost, insurers can apply an average clause, reducing payouts by up to 75%. Equally, over insurance can result in unnecessarily high premiums for cover that’s not required. Our team of experts can value single properties or large portfolios with the same proficiency and diligence to ensure consistency and accuracy.

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