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.

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.

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.

Request a Survey or Valuation
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.

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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