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8 August 2025Smart Insurance Brokers Use Co-Branded Rebuild Cost Assessments
The Broker Advantage: Co-Branded Rebuild Reports That Convert
Making Insurance Smarter: Why Rebuild Cost Accuracy Matters
At Exactum, we collaborate closely with insurance brokers across the UK to supercharge the value they bring to clients. One of the most quietly dangerous risks in property insurance? Underinsurance is a silent issue that only rears its head when it's too late, thanks to the dreaded Average Clause.
That’s where co-branded rebuild reports step in as a game-changer. These aren’t just technical docs - they’re trust-building, client-retaining tools that blend your brand with our insight.
Our secret sauce? A solid combination of real-world property data, expert judgment, and our time-tested Rebuild Cost Calculator. Each Rebuild Cost Assessment we create is clear, defendable, and useful - something clients appreciate far more than abstract numbers or vague estimates. This level of clarity helps reduce claim disputes and boost confidence all around.
Your Brand. Our Expertise. Shared Trust.
Let’s face it - clients remember the names on reports that help them sleep better at night. With co-branded rebuild reports, your logo stands right alongside ours, reinforcing your role as a proactive insurance partner, not just another intermediary. This shared trust elevates your value in the client’s eyes and, quite frankly, makes it harder for them to walk away at renewal.
At Exactum, we ditch the jargon. Our desktop and site-based reports are practical, easy to understand, and laced with useful advice. We want your clients to read them, not just file them away. This makes your job easier too - because now you’re not explaining away complex rebuild data. You're simply reinforcing the insights already delivered.
Why Co-Branded Rebuild Reports Are a Game-Changer
Benefits for Brokers:
- Stand out in a crowded market with branded, expert-backed deliverables
- Boost loyalty by being the broker who cares enough to get it right
- Avoid client friction with fewer claims disputes
- Position yourself as more than a policy-pusher - be a trusted advisor
Benefits for Property Owners:
- Realistic, up-to-date rebuild figures that reflect actual costs
- Avoid the Average Clause trap and loss reductions during claims
- Confidence in coverage with reports that are digestible, not daunting
- A clearer path to getting insured properly without guesswork
Your Questions Answered
What is a Rebuild Cost Assessment?
A Rebuild Cost Assessment is a professional valuation of how much it would cost to completely rebuild a property from scratch. It includes materials, labour, demolition, and professional fees - and is critical to setting the right insurance sum.
How Does a Rebuild Cost Calculator Work?
A rebuild cost calculator combines property data (size, location, materials) with BCIS benchmarks to generate reliable estimates. At Exactum, we use both calculator and survey-based methods for accuracy.
Why is Underinsurance a Problem?
If a property is underinsured, the Average Clause allows insurers to reduce claim payouts proportionally. Even partial damage claims can be heavily penalised - making rebuild accuracy essential.
Can Brokers Offer Rebuild Assessments to Clients?
Yes. With Exactum’s co-branded solution, brokers can offer rebuild assessments seamlessly. We handle the technical work while you remain the face of the service.
What Types of Properties Can Be Assessed?
We assess a wide variety of properties, including residential buildings, commercial premises, industrial units, and mixed-use developments. Each report is tailored to the property type and usage.
How Often Should a Rebuild Cost Assessment Be Updated?
Best practice recommends reviewing a rebuild cost assessment every three years, or immediately after significant renovations, to ensure sums insured remain accurate and compliant.
How Brokers Can Integrate Co-Branded Reports
Step 1: Partner with Exactum
Open an insurance broker account and get access to our platform. Choose from pay-as-you-go options or volume packages tailored to your workflow.
Step 2: Introduce the service to clients
During policy inception or renewal, offer clients the option to validate their building sum insured with a professionally produced report.
Step 3: Deliver the report and follow up
We provide a branded report with next-step recommendations. You remain the point of contact - reinforcing your position as a proactive, insightful broker.
Common Triggers That Warrant a Rebuild Cost Review
Knowing when to recommend a Rebuild Cost Assessment is just as important as the report itself. As a broker, you can provide added value by recognising the following common scenarios:
- Property renovations or extensions
- Significant changes in building use or occupancy
- New acquisitions or portfolio expansion
- Fluctuations in construction material costs
- Insurance renewals or mid-term adjustments
Prompting a rebuild review in these situations demonstrates your attentiveness and helps protect both your clients and your reputation.
Why Choose Exactum?
At Exactum, we’re committed to making insurance smarter, fairer, and more accurate. Our services are built around speed, accuracy, and simplicity. Whether you're serving residential landlords, SMEs, or corporate property portfolios, our rebuild cost solutions help:
- Prevent underinsurance
- Educate clients on risk exposure
- Improve client retention and satisfaction
Our co-branded model means you don’t just offer a service - you offer peace of mind, with your name front and centre.
Ready to Empower Your Brokerage?
Get started today with Exactum.
- Open a broker account
- Request a sample report
- Talk to our support team about tailored packages
Enhance your value. Protect your clients. Stand out in the market. Let’s build smarter insurance together.
Call 0800 028 0695 and talk to Exactum today.
