5.0 Stars - Based on 40 Client Reviews

A Reinstatement Cost Assessment (RCA), also known as a Fire Insurance Valuation (FIV) , is a report which provides a figure for the cost to demolish and rebuild your property for insurance purposes. This figure can be provided to your Insurance company to make sure that your building insurance premium is adequate to cover for any future claims which may result in total damage to the property.

As part of our service, we will undertake a measured survey, undertake a desk top study and then prepare an accurate report based on our findings. It is important that the Reinstatement Cost Assessment is undertaken by a Chartered Surveyor as any discrepancies may leave you over insured with higher premiums or under insured, in which case your building insurance may not be adequate to cover the full cost of a future claim.

Further details can be found in the Royal Institution of Chartered Surveyors Guidance Note: Reinstatement cost assessment of buildings 3rd edition.

If you require a Reinstatement Cost Assessment, then please do not hesitate to contact us.


All properties will require building insurance to ensure their protection against the unforeseeable risks. We provide Rebuilding Cost Assessments on all types of property, both residential and commercial which range from houses, flats, retail units, warehouses, offices, public buildings, healthcare premises and hospitals as well as many more.

The reinstatement valuation is commonly undertaken during the initial acquisition period and this is typically reviewed every 3 years thereafter. It is important to ensure this is reviewed during recommended stages in order to avoid the building from being over or under insured.

The cost of demolition, construction, professional fees and local authority statutory fees are calculated to form the final Reinstatement Value. As well as others as required to the specific property.