Insurance Reinstate­ment Valuation

undertake insurance valuations regularly

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What is the purpose of a Insurance Reinstatement Valuation?

It is vitally important to both commercial and residential clients that insurance valuations are undertaken regularly to ensure, in the event of a claim on buildings insurance, they are neither under nor over-insured.

In many instances, proper insurance is a specific requirement under the terms of a commercial lease, or a policy is required by mortgage lenders prior to lending.

Arnold & Baldwin can provide professional advice on the estimated reinstatement costs of your asset for insurance purposes, ensuring the continued protection of your investment. Our valuations use the most up to date data provided by the Royal Institution of Chartered Surveyors Building Cost Information Service.

When insuring your home or building, it is not generally suitable to insure it against its sale price or current market value. A reinstatement valuation generally assesses the estimated cost of reinstating a building on a particular date following total loss or such substantial damage that the entire structure requires demolition and rebuilding.

If you are under-insured, you run the risk of not being able to reinstate the building; or if over-insured you will potentially be paying a higher insurance premium than necessary. You can see further information from the Association of British Insurers on Commercial Property Insurance

You can see further information from the Association of British Insurers on Home Building Insurance

For a general and “rough” estimate on the reinstatement cost of your home, the Royal Institution of Chartered Surveyors Building Cost Information Service, under commission of the Association of British Insurers, provides a free Residential Rebuilding Cost Calculator service

NOTE: This service requires registration and only allows a limited number of uses per user per year.

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Here's what our customers say


Professional, efficient surveyors. Get the job done in a timely manner, had our survey back within 5 days of inspection. All team members I spoke with (Tiffany and Billy) were really lovely. Highly recommend. :)


I have only just started working with Stephen and he has already demonstrated the high levels of customer attention and dedication that this company has. The first impression he has caused is such that made me write this review. I have no doubt that the continuous service will be of same level. Looking forward to working further with Stephen. Well done!

Steve Kenny

Lease extension - I found Daniel Grove very professional and had an excellent understanding of all aspects relating to this transaction. Advice was invaluable, and it was nice to come across someone who did exactly what they said they were going to do. Would not hesitate in recommending the firm and Daniel to anyone who has a lease to extend.

Petros Kyrkilis

Amazing job and fully professional treatment. The surveyor went above and beyond to check for everything, when he could have easily claim lack of access. In addition he was more than happy to answer questions over the phone and be there to explain the steps.

Lynn Wilson

Within 48 hours I received my detailed report from Joe Arnold which enabled me to see the property as it was and not through rose-tinted glasses! The report highlighted areas where money might need to be spent and provided guidance on questions for my solicitor - just what I needed. Overall, the survey enabled me to re-assess my offer and in this respect was invaluable. Thank you for a friendly and professional service.

Mark Roberts

100% choose this company. As first time buyers we had a mortgage valuation which said the house was fine. The Arnold & Baldwin survey found over £30,000 of problems. Holes in the roof with daylight visible, damp, woodworm, broken sash windows and poor electrics. This company helped us renegotiate and save a fortune.


Arnold & Baldwin came recommended and I’ve got to say they were brilliant - not just in identifying issues with the property I was looking at but in the way they kept me informed and up to date (ie picking up the phone instead of just posting / emailing communications with you). After dealing with estate agents for so long, it’s nice to have someone who is genuinely on your side.

Kamal Rahman

From my initial interaction with the firm I found them to be prompt, courteous and helpful. I received a detailed Homebuyers report within a week of instructing and was given the opportunity to talk it through with the attending surveyour. Overall excellent service all round, would certainly recommend this firm.

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