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When should a property alteration prompt a rebuild cost assessment? Property alterations can improve a building, but they can also change its rebuild cost. Where works materially affect a building’s size, layout, specification or services, the sum insured may need to be reviewed. “It is a common misconception that smaller renovation projects will not affect the rebuild cost of a property,” said Sharon Masters AIIRSM MARLA, Technical Lead and Surveyor at RebuildCostASSESSMENT.

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...