Insurance Reinstatement Works
Assessment, specification and project management of building reinstatement works following an insurance claim. We act on your behalf to ensure the reinstatement is comprehensive, correctly specified and properly executed — at a fair price.
Insurance Reinstatement Works
Our Home Surveyor & Property Valuer Accreditation & Professional Membership
Our Insurance Reinstatement Works are carried out by qualified surveyors who belong to the professional bodies that set UK property standards. Every report is prepared to recognised guidance and is completely independent, so you can rely on the findings when you buy, sell or value a home.
What Are Insurance Reinstatement Works?
After an insured event — fire, flood, storm damage or impact — the insurer is obliged to reinstate the building to its pre-loss condition. The scope, quality and cost of those works should be independently assessed to protect your interests.
What We Cover
- Full damage assessment and documentation
- Detailed scope of reinstatement works
- Cost estimate and tender preparation
- Contractor selection and procurement advice
- Site supervision and quality assurance
- Practical completion inspection and sign-off
What We Do Not Cover
- Contents-only claims (we deal with buildings only)
- Negotiation of the insurance policy terms
- Legal representation in coverage disputes (though our report is expert evidence)
- Emergency make-safe works (though we can advise on scope)
When Do You Need an Independent Reinstatement Assessment?
Suitable For
- Homeowners with building insurance claims
- Landlords with property damage claims
- Disputes over the scope or cost of reinstatement works
- Where the insurer's recommended contractor is not acceptable
- Complex reinstatement such as listed buildings or period properties
- Where you suspect the insurer's scope of works is incomplete
Not Suitable For
- Minor claims where the insurer handles everything satisfactorily
- Contents-only claims (we deal with buildings only)
- Claims where the work has already been completed
What Is Included
Damage Assessment
Comprehensive assessment of all building damage with photographs and detailed descriptions.
Scope of Works
Detailed specification of all reinstatement works required, costed and presented in a format acceptable to insurers.
Tender Management
We tender the works to multiple approved contractors, compare quotes and advise on selection.
Contract Administration
We administer the building contract, certify payments and manage variations.
Site Supervision
Regular inspections during the works to monitor quality, progress and compliance with the specification.
Practical Completion
Final inspection at completion to verify all works have been carried out to the required standard before sign-off.
How Insurance Reinstatement Works
Initial Assessment
We inspect the damage, document everything photographically and prepare an initial scope of works.
Agree Scope with Insurer
We present our assessment to the insurer or loss adjuster and agree the scope and budget.
Manage the Works
We tender, appoint contractors, supervise on site and administer the contract through to completion.
Sign Off
Final inspection to confirm all works meet the specification. Only then do we certify completion.
Insurance Reinstatement Questions
Why would I need an independent assessment of insurance reinstatement works?
When you make a building insurance claim, the insurer's loss adjuster assesses the damage and the cost of reinstatement. Their assessment may not be comprehensive — they represent the insurer's interests, not yours. An independent assessment ensures every item of damage is identified and costed correctly. We also manage the works to ensure the reinstatement is carried out to the correct standard. In many cases, our involvement results in a more comprehensive reinstatement than the insurer initially proposed. We have no commercial ties to any insurer, contractor or loss adjuster.
Can you manage the reinstatement works from start to finish?
Yes. We can: prepare a detailed scope of works, tender the works to multiple contractors, advise on contractor selection, administer the building contract, make regular site inspections to monitor quality and progress, certify payments to the contractor, and carry out the final handover inspection. This provides you with professional oversight of the entire process — particularly valuable if you are not locally based, do not have the technical expertise to assess the work yourself, or simply do not have the time to manage a complex reinstatement project.
What if I have already received the insurer's scope of works?
We can review the insurer's scope of works and advise whether it is comprehensive. It is not uncommon for insurer-prepared scopes to miss items — particularly in older or more complex properties where reinstatement must match the original construction. If we identify gaps, we can prepare a supplementary scope and negotiate with the insurer on your behalf. Even if the works have already started, a mid-project review can catch issues before they are covered up.
Do you deal directly with the insurance company?
Yes, with your authority we liaise directly with the insurer, their loss adjuster and any other professionals involved in the claim. We present our findings professionally and negotiate on your behalf. Having a qualified building surveyor arguing the technical case for a more comprehensive reinstatement carries significant weight with insurers and can achieve outcomes that a homeowner acting alone might not.
How much does insurance reinstatement consultancy cost?
The cost depends on the extent of the damage and the level of our involvement — from a simple scope-of-works review through to full project management. Many clients find that our fee is more than offset by the additional reinstatement work we secure from the insurer that would otherwise have been missed. We provide a fixed-price quote after an initial assessment of the situation.
Get Independent Advice on Your Insurance Claim
Free initial consultation. We will review your situation and advise on the best way forward.