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A new regional breakdown of RebuildCostASSESSMENT.com’s latest data has revealed just how unevenly inaccurate building insurance is spread across the UK, with Wales , the North West  and Northern Ireland  emerging as some of the areas most exposed to underinsurance . Based on the latest RCA analysis, 70% of properties in the UK are underinsured overall , while 23% are overinsured . That leaves only a small minority covered for the right amount, reinforcing the scale of the ch

Commercial properties across the UK face a growing risk of underinsurance in 2026 as rebuild costs and compliance requirements continue to change. Rising rebuild costs, regulatory change and more complex rebuilding requirements can leave even well-managed portfolios underinsured if sums insured  are not kept up to date. “Commercial reinstatement is inherently more complicated than domestic rebuilding,” said Gautham Rajendar, Technical Lead for Commercial Properties at...

Materials inflation has eased. Labour costs remain elevated and that is where reinstatement values can shift most quickly. Recent government data  shows materials price growth easing, with the “All Work” materials index rose 3,3% in the year to December 2025. However, construction earnings data and insurer commentary continue to highlight labour shortages and sustained pay growth. Where skilled trades are constrained, repair and reinstatement costs can remain under pressure.