Insurance Reinstatement Appraisal

Insurance Reinstatement Appraisal

A reinstatement cost refers to the cost of reinstating a building or property if it was to be destroyed or damaged beyond repair (e.g. fire damage). The majority of homeowners are unaware of the true reinstatement cost of their home, which may mean they are considerably under or over-insured. The building sum insured is the maximum amount your insurer will pay out for any claim, therefore, it is important that this amount is adequate and accurate.

The reinstatement cost of two similar style properties of the same size can have a significant variation, with age, type of construction and quality of fittings having a major impact.

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Underinsured:
In the event of a claim; if you are underinsured, payment for repair or reinstatement will not cover the total cost. Unfortunately, this is normally only discovered in the event of a claim.

Overinsured:
If you are overinsured, you are likely to be paying a higher than necessary premium, which can go unrecognised for years.
Smart Home Surveys can provide a Building Reinstatement Appraisal for your home, giving you accurate information in order to obtain the appropriate level of cover.

If you need any help or advice on surveys and valuations, please don’t hesitate to call or email us, alternatively book now and request a survey and we will call you back.

Head office
312 Edinburgh House
170 Kennington Lane
London
SE11 5DP

West London office
Avon House
Avonmore Road
London
W14 8TS

Norwich office
Tas Lodge
White Horse Lane
Norwich
NR14 8TG

Tel: 020 3621 8800

Email: enquiries@smarthomesurveys.co.uk

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Request a Survey or Valuation

At Smart Home Surveys we can help you with your residential property needs by:

Carrying out a survey to check the condition of a house, flat, maisonette or bungalow
Working out an accurate valuation of a property for a variety of purposes, for example:
- For peace of mind if you are buying a property
- To redeem a Help-to-Buy or Shared Ownership loan or to buy a bigger share of your home
- For matrimonial or other disputes
- For probate purposes
- For tax calculations
- For insurance

1. How can we help you today?

Select all the options that apply to you and we'll get back to you with a comprehensive quotation. If your query is not covered by the options below, select "Other" and write a brief description of the service you require in Section 4.

I am buying a house or flat and I would like a survey to establish the condition of the propertyI am buying a house or flat and I would like an accurate estimate of its market valueI need an accurate estimate of the value of a property for another reason

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You may require a valuation for a different date from the current market value, or need two valuations for different dates. For example:

For Inheritance Tax or Probate, you will normally need the date of decease
For CGT you may need two dates so that the gain can be calculated
For CGT and ATED purposes, you may need the valuation as at the end of the tax year

If you are uncertain, leave the dates blank and one of our advisers will give you a call to discuss your requirements.

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2. About the property

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Agreed purchase price or estimate of value

Estate Agency Firm selling the property

3. About you

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Our quotations are not automated. We quote according to the specific type of property and any of your specific needs which we welcome you to express below

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Thank you, Smart Home Surveys.