Building Reinstatement Cost Assessments

A Building Reinstatement Cost Assessment (BRCA) is not a building valuation. It is an assessment to determine the cost of restoring a building to a standard where it can be used again. This is usually in the event of the complete loss of a building's fabric or structure.

Our reports assess, consider, and apply re-building costs and formulae to the information we collate whilst on site. A building reinstatement cost assessment involves a site inspection, a measured survey to establish a building’s net/gross area, and an assessment of construction and specialist features. These features could include things such as architectural features, monuments, underground parking, water features, specialist plants or lifting equipment.

During the inspection an assessment is also made of the building's age, the condition of the fabric and finishes, and current or previous building uses. These assessments are used along with current BCIS construction rates to create a detailed numerical assessment.

In our reports we factor in the addition or deduction of costs for specialist factors. This includes the overall site, whether the building is listed or in a conservation area, regional locations, professional fees likely to be incurred, and building cost inflation. We provide professional reinstatement valuations for insurance purposes. Giving clients the assurance that adequate cover is maintained on their buildings, without incurring excessive premiums.

The following points will need to be considered when setting the current reinstatement cost:

We provide Building Reinstatement Cost Assessments for owners or occupiers of all building types. This includes large buildings, whole property portfolios, blocks of flats, commercial, and industrial premises. We are also able to undertake assessments for large corporate entities, management companies, pension funds, and individuals on mixed use sites or individual buildings.

We understand the importance of thorough research when it comes to understanding a site or building. It is particularly important when assessing the impact of the complete loss of a building. This allows us to make an early assessment as to whether you will need consultations with local authorities. In some cases you may need a listed building representative and/or a conservation area representative.

Winfields Chartered Surveyors are able to assist owners with the preparation of reinstatement cost assessments and recommend the level of cover appropriate, for insurance purposes. It is important that the estimate of the reinstatement cost is accurate. Too low of a value may result in the property owner not being adequately covered for buildings insurance, and in some cases could see a claim being refused or significantly scaled down. Alternatively, too high of a value may result in a higher premium for buildings insurance cover.

By having a building reinstatement cost assessment through us, we will be able to shine a light on what your building really needs and make sure you are paying the right amount.

Frequently Asked Questions

A BRCA is the calculation of the total sum to be paid to cover the demolition and subsequent rebuilding of a property following a total loss due to an insured peril.

They are effectively the same. The Royal Institute of Chartered Surveyors (RICS) changed the name to reflect that the majority of building insurance extends to cover many perils, as well as fire.

The declared value is the cost of rebuilding and all associated fees at the commencement of the policy. It includes the cost of construction (on a fixed price, lump-sum basis obtained under competitive tender), allowances for demolition of the existing building, removal of the debris from that place and all associated professional and statutory fees applicable to the works. It does not include an allowance for inflation during the policy term. However, this is typically provided within the ‘Buildings Sum Insured’ under most building policies. You will need to check your policy to see if this applies.

The BRCA is purely for insurance purposes and does not affect your property’s sale price or market value.

RICS recommend that a BRCA is undertaken every three years to maintain an up-to-date declared value. A BRCA must ensure that all factors that may affect the declared value are considered and included. Should underinsurance occur, insurers may reduce claims payments made, even for a partial loss (this is called Average). Any shortfall would need to be made up by you as the insured.

We can provide the following services to suit a client’s specific requirements.

This applies to all types of buildings, both modern and historic, be it residential or commercial:

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