What is a Desktop Reinstatement Cost Assessment (RCA)?
A Desktop Reinstatement Cost Assessment (RCA) is a remote property valuation used to determine the exact cost of rebuilding a structure from scratch for insurance purposes. Unlike a traditional on-site survey, a desktop assessment is completed entirely from an office using advanced digital tools, building records, mapping data, and historical costing databases. By bypassing the need for a surveyor to physically visit the premises, it provides a fast, defensible, and cost-effective route to securing an accurate sum insured.
Which properties are suitable for a desktop valuation?
Suitable Properties include Standard residential homes of conventional construction and materials. Straightforward commercial premises such as standard retail units, offices, and regular warehouses with a clear footprint and no unique architectural elements are also suitable. Unsuitable properties include Listed or historic buildings with particular craftsmanship and high value materials would not suitable.
What information is needed for a desktop valuation?
We would need access to an accurately drawn floor plan of the property from which the floor area could be reliably taken. This can come from sales particulars, planning applications or lease plans.
If you are unsure of whether a desktop insurance valuation is suitable for your property we would be pleased to discuss your requirements further.
