Reinstatement Cost Assessment
Know the true rebuild cost of your property and secure the right level of insurance cover with confidence.
Order our Desktop Valuation for £195 incl VAT or enquire about our Onsite Assessments from £600 incl VAT.
What is a Reinstatement Cost Assessment?
A Reinstatement Cost Assessment gives you the information needed to secure the right insurance coverage for the price of rebuilding your property from scratch. The assessment estimates the total rebuild cost of your property in the event of total loss, making sure you're not underinsured.
Factors Affecting Reinstatement Cost
Reinstatement costs vary depending on the size, listing status, roof type, materials, or recent extensions of your property.
These factors combined with other costs like:
- Labour
- Materials
- Architects in your area
- Temporary accommodation during repairs
Desktop Valuation vs Onsite Assessment
Choosing the right type of reinstatement cost assessment depends on the complexity of your property and the level of detail required. Both options provide a reliable rebuild cost for insurance purposes and are carried out by RICS regulated professionals.
Desktop Valuation
- Quick turnaround – produced efficiently using mapping, property data, and industry cost information
- Convenient and non-intrusive – completed remotely with no need to arrange site access
- Lower environmental impact – avoids travel, helping reduce carbon emissions
- Well suited to typical properties – appropriate for most residential and many commercial buildings
- Supports accurate insurance cover – helps ensure reinstatement values are appropriate, reducing risk of underinsurance
- Prepared by RICS regulated professionals – widely recognised and accepted by insurers
Onsite Assessment
- Physical inspection by a qualified surveyor – allows every aspect of the property to be reviewed in person
- Greater level of detail – ideal for listed buildings, complex layouts, or non-standard construction methods
- Accurate measurement on site – dimensions and features recorded directly by an experienced surveyor
- Recommended for listed, high value or bespoke properties – provides a more comprehensive reinstatement assessment
- Prepared by RICS regulated professionals – trusted by insurers and supported by professional expertise
If you’re unsure about which option is most appropriate, we can advise based on your property type and requirements.
Ensuring Appropriate Insurance Coverage
For buildings insurance, it is essential that the sum insured accurately reflects the true reinstatement cost—that is, the full amount it would realistically cost to demolish and completely rebuild the property.
This should include all associated expenses such as labour, materials, professional fees (for architects, surveyors, and engineers), site clearance, and compliance with current building regulations, rather than being based on the property’s market value, which can differ significantly.
Recent research suggests that the majority of UK properties are not insured for the correct reinstatement value, and an estimated 68-76% of homes are under insured, with only a small minority accurately covered.
When a serious claim occurs, this can mean that insurers reduce payouts in line with how far the property is underinsured – a policy condition often known as the ‘average clause’.
How We Can Help with a Desktop Assessment
Our Desktop Reinstatement Cost Assessment is designed to reduce the risk of underinsurance by providing a robust evidence based reinstatement cost assessment estimate of your property using:
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The information you supply via our online form
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Mapping data and aerial imagery
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Property records
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Recognised construction and data sources
We aim to complete your valuation within two weeks, offering a cost-effective alternative to a traditional site-based survey, with fees from £195 incl VAT.
Please note that not all properties are suitable for a desktop valuation. Certain factors may mean a home survey is required instead. If this applies, we will contact you once the form has been completed to discuss the next steps and confirm pricing.
About Us
Rose Consulting is a RICS regulated firm of Chartered Quantity Surveyors. Our experienced team provides clear, accurate, and compliant cost advice to help clients protect their assets and make informed decisions about their property.
With extensive expertise in Reinstatement Cost Assessments, we offer both efficient Desktop Valuations, along with traditional site-based surveys if necessary. This gives you, the homeowner, a quick, reliable, and cost effective way to understand the reinstatement cost of your building for insurance purposes.
As a RICS-regulated firm, we follow the highest standards of professionalism, transparency, and ethical practice. All our assessments are completed by qualified professionals using industry approved cost data and validated property information to ensure the highest level of accuracy.
We work with homeowners, landlords, managing agents, and commercial property owners to provide trusted valuation and cost consultancy services. Whether your property is of standard construction or something more unique, our expertise ensures that you receive a compliant and dependable rebuild cost assessment.
Andrew Osborn
Director
Jamie Loughlin
Managing Director
Jordon Crowle
Director
Order Your Reinstatement Cost Assessment
Desktop Valuation
£195 including VAT
✓ Fast turnaround
✓ Completed remotely
✓ Uses trusted mapping & cost data
✓ Suitable for most properties
✓ Helps ensure correct insurance value
✓ RICS regulated professionals
Onsite Assessment
From £600 including VAT
✓ Surveyor site visit
✓ Highly detailed assessment
✓ Ideal for listed, high value or complex buildings
✓ Accurate onsite measurement
✓ Suitable for bespoke construction
✓ RICS regulated professionals
