Around ninety percent of US commercial buildings carry inadequate coverage, and in more than two thirds of those cases the shortfall is at least a quarter of the true figure. Reinstatement Cost Assessment replaces regional averages and stale valuations with reinstatement values built from current construction costs, local labour conditions and the codes that apply today. Reinstatement Cost Assessment is currently available in the United States. For enquiries elsewhere, please get in touch.
OUR PRODUCT
Reinstatement Cost Assessment
Available in the United States
REINSTATEMENT COST ASSESSMENT
Insure it for what it would actually cost
Current construction cost indices, not historical averages
Local labour market conditions and regional cost modifiers
Jurisdiction-specific building code requirements
CAPABILITIES
What's inside Reinstatement Cost Assessment
Accurate reinstatement values for a single property or an entire portfolio, delivered by API or as a full platform.
Price the real exposure
Underinsurance is a pricing problem before it is a claims problem. Assess sum insured accuracy across the whole portfolio rather than a sample, and find the gap between what you are covering and what a rebuild would actually cost.
Key partner benefits
- Sum insured accuracy across the full book
- Premium leakage identified and quantified
- Fewer coverage disputes at the point of claim
Includes
Rebuild API
Rebuild Platform
Protect your client
Underinsurance surfaces at the worst possible moment, and the conversation that follows lands on you. Run a client's portfolio before renewal, find the shortfalls, and have the discussion while it is still advice rather than a dispute.
Key partner benefits
- Client portfolios assessed in a single upload
- Shortfalls identified before renewal, not after loss
- A valuation report your client will understand
Includes
Rebuild API
Rebuild Platform
Hold the right limits
Reinstatement values delivered through a documented API, ready to embed in a quote flow, a valuation tool or a portfolio dashboard. The same consistent structure as the rest of the platform, so one integration serves several products.
Key partner benefits
- Documented API with predictable responses
- Single property or bulk portfolio processing
- Itemised outputs your users can interrogate
Includes
Rebuild API
Rebuild Platform
Build on our data
Reinstatement values delivered through a documented API, ready to embed in a quote flow, a valuation tool or a portfolio dashboard. The same consistent structure as the rest of the platform, so one integration serves several products.
Key partner benefits
- Documented API with predictable responses
- Single property or bulk portfolio processing
- Itemised outputs your users can interrogate
Includes
Rebuild API
Rebuild Platform
BY THE NUMBERS
The difference complete, verified data makes
Measured where it counts: coverage, speed and accuracy.
8%
of UK properties are insured for the correct rebuild value
RebuildCostASSESSMENT.com, 2026 Property Insurance Infographic (September 2026)
£20.12bn
gap between sums insured and rebuild costs
Insurance Age, 'Property sums insured and rebuild cost gap rises more than 10%' (September 2026)
24%
of businesses regularly commission a professional valuation
DEVELOPERS
Built API-first
Reinstatement Cost Assessment is available as a full platform or through a documented API, so values can be requested at the point of quote, at renewal, or across an entire portfolio overnight.
View documentation
WORKING WITH SOME OF THE BEST IN THE INDUSTRY
REINSTATEMENT COST ASSESSMENT IN USE
Partnerships that deliver results
What changes when reinstatement values reflect current costs and current codes: adequate limits, accurate premiums, and far fewer arguments at the point of claim.
National Insurer Case Study
Finding £1.17bn in missing rebuild value across 355 commercial properties
InsurerAddress ValidationRisk Intelligence
PRODUCT PORTFOLIO
There's more to our portfolio
Reinstatement Cost Assessment is one of three products built on the same foundation. Both of the following are available in the UK and the US.
Address Validation
Ingest, clean and correct addresses at any volume, validated against authoritative national sources. The front door to everything else we do.
FIND OUT MORERisk Intelligence
Complete COPE and exposure data for any address, scored for confidence and ready to underwrite. Available across the UK and US.
FIND OUT MORE
FREE TRIAL
Ready to test our data?
Run up to 50 of your own properties through the platform and compare the reinstatement values against the sums insured you are carrying today. No payment details and no commitment, just a clear read on where the shortfalls sit.