Reinstatement Cost Assessments (RCA)
A Reinstatement Cost Assessment (RCA) calculates the accurate cost to rebuild your property in the event of total loss. This ensures your insurance cover is correct and protects you from underinsurance.
What’s Included in an RCA
Full measured assessment
BCIS‑based rebuild calculation
Outbuildings, garages, extensions
Demolition and professional fees
Location factors and access considerations
Who is it suitable for
Homeowners
Landlords
Housing associations
Commercial property owner
Why It Matters
Why an RCA Is Essential
Prevents underinsurance
Avoids the Average Clause reducing pay outs
Required by many insurers
Updated rebuild costs reflect inflation