Accurate Reinstatement Cost Assessments for Property Owners
Accurate, expert valuations ensuring properties are fully protected and correctly insured. The Earl Kendrick Reinstatement Cost Assessment team provide confidence, compliance and clarity for property owners, occupiers and managers.
Work with us
Essential accuracy:
A Reinstatement Cost Assessment (RCA) determines the declared value (DV) for which a property is insured. If the figure is too high, premiums rise unnecessarily; if too low, the owner risks significant financial loss.
Protection through precision:
An undervaluation can mean insurers will not cover the full cost of reinstatement or in some cases, reject claims altogether. An accurate RCA safeguards against these risks.
Informed by experience:
Our RCA specialists understand the complexities of valuation across all property types. We provide detailed, reliable assessments that stand up to scrutiny.
Value and efficiency:
We deliver timely, cost-effective RCA reports tailored to client needs, supporting portfolio management and insurance compliance.
“Accurate valuation and informed protection. Reinstatement cost assessment services that ensure appropriate insurance cover and safeguard asset value.”
How we can help
A complete approach to reinstatement cost assessments
Full elemental analysis and breakdown, block by block and area by area
Valuations for all types of buildings and property uses
Clear, accessible RCA reports for ease of understanding
Volume RCA services offering economies of scale and fixed two-year fees
Portfolio tracking ensuring no assessment is ever missed
Desktop ‘top-up’ RCAs once a full analysis has been completed
Independent advice and representation in disputes with insurers
“Our aim is to protect your assets, reduce risk, and ensure peace of mind with assessments you can rely on.”
— Earl Kendrick RCA Team
FAQs
A Reinstatement Cost Assessment (RCA) is an expert valuation that determines the total cost of rebuilding a property from the ground up in the event of total destruction. It considers materials, labour, professional fees, demolition, and current building regulations. This valuation forms the basis for the “Declared Value” (DV) stated on your insurance policy. Earl Kendrick’s specialists ensure each RCA reflects the property’s true reinstatement cost, providing accurate, defensible figures for complete insurance protection.
An accurate RCA ensures that your property is neither under-insured nor over-insured. If the declared value is too low, you may only receive partial compensation after a loss. If it’s too high, you’ll pay inflated premiums unnecessarily. Earl Kendrick’s experienced surveyors use detailed, evidence-based methodologies and up-to-date cost data to provide precise valuations, giving you confidence that your property is properly covered and your insurance premiums are fair and proportionate.
Industry best practice recommends reviewing RCAs every three years, or sooner if major refurbishments, extensions, or significant market fluctuations occur. Construction costs can change rapidly due to inflation, material shortages or updated building regulations. Earl Kendrick offers both full reassessments and desktop “top-up” reviews to keep your insurance values current. Regular updates ensure that your policy remains accurate, compliant, and capable of covering reinstatement costs if a claim is made.
Yes. We deliver portfolio-wide RCA services for clients managing multiple residential, commercial or mixed-use assets. Our volume RCA service offers economies of scale, standardised reporting, and two-year fixed fees for predictability. We also track RCAs across your portfolio to ensure none lapse unnoticed. This coordinated, proactive approach simplifies portfolio management and provides complete assurance that every property is correctly insured and fully up-to-date with its valuation cycle.
Our approach combines technical precision with practical understanding. Every RCA is carried out by qualified building surveyors who assess the property on site, analyse construction methods, and reference current industry cost data. We tailor each report to suit the property type from listed heritage assets to contemporary mixed-use developments. Clients value our clarity, responsiveness and long-term support, ensuring their insurance coverage remains robust, cost-effective and compliant with insurer expectations.
Contact our Director
Daniel LaneDirector - Head of RCAs
e: daniel@earlkendrick.com
Contact us
Questions about a building, project or survey? Get in touch and our team is ready to help with practical straight talking advice.
Reinstatement Cost Assessment Services
More Services
Contact one of our experts today
Questions about a building, project or survey? Get in touch and our team is ready to help with practical straight talking advice