Reinstatement Cost Assessments In London

At Barnes & Barnes, our RICS-registered surveyors provide independent and accurate Reinstatement Cost Assessments across London. An RCA gives you the true cost of rebuilding your property from the ground up in the event of the total loss or substantial damage to a property that requires demolition and rebuilding, including demolition, clearance, materials, labour and professional fees.

​Our surveyors cover the whole London area – including Central London, South East, South West and North London. View a full list of our locations here.

Why is a Reinstatement Cost Assessment important?

Your insurance premium is based on the sum insured. If that figure is wrong:

• Under-insurance means you may not receive enough to rebuild if you ever need to claim.
• Over-insurance means you are paying more than necessary in premiums.

An RCA ensures you have the right level of cover, protecting your property and your finances.

How is an RCA different from market value?

• Market value reflects what your home might sell for, influenced by land value, demand and location.
• Reinstatement cost is the cost to rebuild, independent of the property market but affected by building costs, materials and labour.

How often should you update your RCA?

RICS (The Royal Institute for Chartered Surveyors) recommends reviewing your insurance sum annually and commissioning a full Reinstatement Cost Assessment every three years. You should also arrange a new assessment if you extend, refurbish, or significantly alter your property.

Why Use Barnes and Barnes For A Reinstatement Cost Assessment?

• Experienced, independent RICS Chartered Surveyors with over 20 years of surveying London homes.
• Detailed inspections that provide accurate, reliable rebuild costs.
• Friendly, professional service designed to make the process simple and stress-free.