Ensure your property is correctly insured with expert Rebuild Cost Assessments
Whether you're a broker, property owner, landlord, or insurer, Exactum delivers accurate, professional rebuild cost assessment valuations to reduce underinsurance risk and keep you compliant.
At Exactum, we believe in clarity, precision, and protection. We’ve built our service around providing reliable reinstatement assessments that help you understand the true rebuild value of your property, giving you peace of mind and confidence in your insurance cover.
Why Choose Exactum?
- BCIS Endorsed Assessments – We use trusted Building Cost Information Service (BCIS) data for authoritative, RICS-aligned reports.
- Regulated by RICS – Exactum are proud to be regulated by a globally recognised professional body such as the Royal Institution of Chartered Surveyors
- Fully Remote Process – No site visits are required unless you want one. Quick, efficient and secure.
- For Brokers, Property Owners & Insurers – Tailored rebuild cost solutions, whether you manage a portfolio or own a single home.
- Transparent Pricing – No hidden costs, just accurate rebuild valuations delivered with speed and integrity.
Desktop vs Site-Based Assessments
Which Suits You Best?
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Services
Rebuild Cost Assessments
Avoid the significant financial shock of underinsurance. Our professional reports provide the accurate reinstatement values you need for your policy - ensuring full protection when you need it most.
Portfolio Assessments for Brokers & Landlords
Manage multiple properties? We offer scalable solutions for brokers and landlords seeking consistent, high-quality assessments across portfolios.
Insurance Compliance Support
Ensure your policies meet current regulatory standards. We’ll help you stay in line with FCA guidance and RICS expectations - giving your clients the assurance they deserve.
About Us
Exactum was founded with a clear mission: to make accurate property valuations more accessible, transparent, and reliable for all.
We work closely with insurance brokers, underwriters, and property professionals across the UK to provide accurate and up-to-date rebuild cost assessments based on trusted BCIS data. Our goal is simple: reduce the risk of underinsurance, protect assets, and support smarter decision-making for both individual clients and commercial partners.
Who We Help
We proudly support a wide range of clients across the property and insurance sectors. Whether you're an industry professional or a property owner, our Rebuild Cost Assessments are designed to give you clarity, confidence, and compliance.
- Insurance Brokers – Provide added value and protection to your clients.
- Homeowners – Ensure your property is fully covered.
- Landlords & Letting Agents – Keep investment properties appropriately insured.
- Businesses – Protect your commercial property from underinsurance risks.
What to Expect: Our Process
Here’s how your rebuild valuation comes together:
- Initial Enquiry – Share a few key property details.
- Background Research – We gather planning data, imagery, and specifications.
- Assessment & Valuation – Our team calculates your rebuild cost using industry-standard BCIS data.
- Report Delivery – You receive a clear, insurance-ready PDF within the agreed timeframe.
- Support, If Needed – Questions? We’re available to clarify and guide.
Each report is reviewed internally to ensure it meets our compliance and quality benchmarks.
A Case
Example
Property Type
4-bed detached, post-2000
Location
Surrey
Original Insured Value
£275,000
Rebuild Cost Assessment Value
£395,000
Result
Client updated their policy and avoided an estimated £36,000 in potential underinsurance shortfall.
Why It Matters
Understanding Rebuild Cost Assessments
A Rebuild Cost Assessment (RCA) determines how much it would cost to completely rebuild your property from the ground up - materials, labour, planning, everything. It's not tied to market value or how much your property might sell for, but to the real-world cost of reinstatement after a total loss.
This figure directly influences your insurance. If it’s too low, you're underinsured; too high, you may be paying unnecessarily large premiums. Our assessments aim to get that number right - nothing more, nothing less.
The Risk of Underinsurance (and How to Avoid It)
Underinsurance affects more properties than most realise.
Recent studies suggest that the majority of UK buildings are undervalued for insurance purposes, sometimes by over 30%. If you're underinsured and need to make a claim, insurers may only cover a portion of the cost, leaving you to bridge the gap.
Our BCIS-backed, RICS-compliant reports are designed to ensure that doesn’t happen. We remove the guesswork so you can be confident your cover reflects the rebuild reality.
Have Questions? Let’s Talk
If you’re unsure where to start, we’re here to help.
Whether it’s clarifying BCIS data, choosing between a desktop or site-based assessment, or just understanding how your insurer will use the report, ask us.
We’re RICS professionals, but we also understand that not everyone speaks “surveying.” We aim to keep things clear, practical, and helpful from first contact to final report.