Reinstatement Cost Assessment (RCA)

Reinstatement Cost Assessment (RCA) for building insurance purposes is a calculated estimate of the cost to rebuild a property on the basis of a total loss, including situations of substantial damage where complete building demolition and rebuilding would be necessary

In the unfortunate event of needing to claim for an insurance loss against your property, the last thing you want to find out is that you are under-insured. 

You need to know that in the event of a major incident there are sufficient funds available to rebuild the property you own or occupy to the same specification.

It can also be frustrating when you find out you have been over-insuring the property and have overpaid on your premiums.


We can undertake a full assessment of your property using the latest cost data to give an accurate reinstatement cost ensuring there are sufficient funds to rebuild your property to the same specification.

We are trusted by insurers nationally for our accurate expert advice.  Our assessments are tailored to each property by our experienced RICS chartered surveyors and prepared on an elemental basis to provide transparent apportionment and accurate assessments. 

We also complete desk top assessments to ensure the rebuild costs reflect inflation.

For more details of our specialist surveying advice, see our Services detail.

To book a call back from a member of the Building Consultancy team, please fill in our Contact Us form.

Link: Contact Us

Team members shown:

  • Alexa Cotterell
  • Simon Hill
  • Thomas Mead-Herbert
  • Paul Phillips