Rebuild valuations
Also known as reinstatement cost assessments (RCA) or value at risk assessments (VAR). These are detailed reports that give the owners of property advice on the appropriate level of insurance.
Why is it important to get the sum insured right?
Many insurers operate what is known as averaging. They will have a margin of tolerance so that if they deem you underinsured they will reduce the value of your claim properetionate to that level of underinsurance.
For example, you own a property and insure it for say £500,000. The property burns down and you make a claim for rebuilding it. The insurers think you have underinsured because it should have been insured for £600,000. You are therefore underinsured by 20%. They will limit their settlement to £400,000 (being 20% less than £500,000)
The types of rebuild valuations we offer
£150 inc.VAT
£220 inc. VAT
Desktop valuation
Desktop plus valuation
This can be instructed if you have a standard property with no unusual features and is typically valued at less than £1m
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Fast, efficient turnaround: Delivered quickly using trusted data, maps, and public records.
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Reduced carbon footprint
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Reliable for standard properties: Suitable for most residential buildings
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Same as the desktop but with the added benefit and reassurance of automatic updates for 3 years
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With market volatility (especially at the moment!) without regular updates, your sum insured can quickly become inaccurate.
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we will automatically adjust your initial valuation on the 1st and 2nd anniversaries
FROM £500 inc. VAT
Site visit valuation
If your property is large or of non-standard construction or listed maybe. Our fee will depend on the distance to be travelled so please call to get an exact quotation
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On-site inspection by a chartered quantity surveyor (MRICS) with over 28 years experience.
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A physical visit ensures every detail of your property is captured.
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Detailed measurement: The property is measured on-site - usually with laser measures
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Suitable for higher-value properties, farm estates, blocks of flats etc.
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Provides a robust rebuild cost backed by professional expertise.
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RICS-regulated & insurer-trusted: Accepted by insurers and carried out by qualified professionals.
