Rebuild Cost Assessments for Homeowners
One Rebuild Assessment. Total Peace of Mind.
From Bricks to Paperwork, We've Got You Covered
Don't Let Guesswork Cost You
Protect Your Home With Facts, Not Estimates.
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An Exactum rebuild cost assessment helps homeowners review the amount needed to reinstate their property for buildings insurance. Rebuild cost differs from market value: it considers the cost of reconstructing the building rather than the price it might sell for.
An assessment can provide a documented figure and explain the assumptions used. You can share the report with your insurer when reviewing the sum insured, subject to the policy’s requirements.
Ideal for All Types of Homeowners
Support Shaped Around Your Property and Circumstances
- A private homeowner protecting your family home
- A landlord with a buy-to-let portfolio
- A second home or holiday property owner
- Living in a listed, non-standard, or architect-designed building
We tailor our assessments to reflect your specific situation and construction type.
What’s Included in an Exactum Assessment?
Accurate Figures, Clear Evidence and Insurer-Ready Reports.
- Accurate Rebuild Cost Valuation
We provide a professionally calculated rebuild value, using current construction rates and tailored to your property’s size, style, age, materials, and location. - Regulatory & Insurance Compliance
Ensure you meet your insurance obligations under RICS and ABI guidelines, reducing the risk of underinsurance penalties or claim rejections. - Detailed Digital Report
You’ll receive a clear, comprehensive report with all the key figures your insurer needs - along with a breakdown of how we’ve reached them. - Site Visit or Desktop Review Options
Depending on your needs and property type, we offer both physical inspections and cost-effective desktop assessments using detailed imagery and planning data. - A Basis for Reviewing Your Cover
Use the report to discuss the sum insured with your insurer. Cover and claim decisions remain subject to the policy wording and circumstances.
Why Rebuild Cost Matters
Market Value Won’t Protect You if the Rebuild Figure is Wrong
An accurate rebuild cost isn’t the same as market value - it’s what it would cost to reinstate your property from the ground up, including demolition, debris clearance, professional fees, and current construction costs. Without it, your insurer may reduce a payout or refuse it altogether.
An assessment can help you review the rebuild figure, but it does not remove every risk of underinsurance. Keep the report’s assumptions and the policy’s requirements in mind when setting or reviewing your cover.
Desktop Report or Site Survey?
Domestic Desktop Reports
Fast, reliable professional property insights delivered without the need for a site visit.
Commercial Desktop Reports
Clear, cost-effective commercial property assessments based on expert desktop analysis.
Domestic Site Surveys
Detailed on-site surveys providing homeowners with accurate, dependable property reports.
Commercial Site Surveys
Professional on-site inspections delivering in-depth intelligence for commercial properties.