Insurance Assessments

Buildings insurance for commercial properties requires an accurate value known as the Buildings Sum Insured to ensure there are sufficient funds to cover full replacement of the property in the event of a total loss caused by an insured peril (e.g. fire, flood, subsidence).

Insurers recommend a survey by a Building Surveyor every 3–5 years as part of a formal Reinstatement Cost Assessment (RCA). Annual updates via a desktop RCA between formal survey years help maintain the accuracy of the insured sum.

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How We Deliver Insurance Assessments

We provide impartial, evidence-based assessments to set and maintain the correct Buildings Sum Insured for your commercial asset.

  • Formal RCA Survey & Report: On-site measured assessment, element-by-element costing and professional report suitable for insurers.
  • Desktop RCA Update: Annual interim updates using market indices, build-cost data and any known scope changes.
  • Fire Damage Reinstatement Advice: Scope of works, cost guidance and programme considerations following fire events.
  • Subsidence Damage Advice: Investigation coordination, remedial strategy and budget estimates.
  • Flooding Damage Advice: Drying/strip-out guidance, resilient reinstatement options and cost planning.

Why Choose Our Insurance Assessments?

  • Reduce under/over-insurance risk: Set accurate sums insured to avoid shortfalls and unnecessary premiums.
  • Insurer-ready reporting: Clear, transparent methodology aligned to industry cost data and standards.
  • Lifecycle consistency: Formal RCAs with annual desktop updates to keep values current.
  • Rapid post-incident support: Practical reinstatement advice to help you act quickly and confidently.
  • Independent, chartered expertise: Delivered by experienced Chartered Building Surveyors.

Why Choose Pure Building Consultancy

At Pure Building Consultancy we aim to understand your interest in the property so we can focus our advice and support to the areas you need to achieve your goals.