Reinstatement cost assessments

A Reinstatement Cost Assessment (RCA) advises on the anticipated cost of re-constructing a building in the event of damage with respect to an insured risk. It is essential that your reinstatement cost is calculated correctly. If the building is only insured for half of what it would cost to rebuild, the insurance payment will be half of the loss. This applies even if a claim is well below the sum insured because the building owner is expected to have the overall amount of cover in place to support full reconstruction.

Conversely if a building is over-insured the reverse does not apply and there is no profit, simply a wasted over-payment of premium.

Whatever the type or size of your property or properties we can help with all your Reinstatement Cost Assessment needs including the management of Portfolio Reinstatement Cost Assessments.


To learn more about our services please call Stephen Barker on 020 7189 8340

Case Studies