RCA & FIV

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Fire Insurance Valuation (FIV), also known as a Reinstatement Cost Assessment (RCA), is often required when financing a property. It provides an expert estimate of the cost to rebuild a building if it is destroyed. As RICS-certified surveyors, Quantum delivers FIV/RCA reports that lenders and insurers recognise and rely on when setting insurance requirements and approving finance.

RCA & FIV is the right service for you, if...

You are required to provide a documented FIV/RCA as part of financing or refinancing a property

You need a trustworthy, RICS-backed assessment that will be accepted by insurers, auditors and internal stakeholders

You own or manage a building with non-standard construction, higher-end finishes or complex geometry and want that accurately reflected in the insurance value

Quantum’s Approach

Because Quantum is RICS certified, our Fire Insurance Valuation / Reinstatement Cost Assessment reports follow recognised professional standards. This gives banks, insurers and owners confidence that the figures are derived from a transparent and defendable method rather than rules of thumb or informal estimates

We focus on how the building is actually put together, not just on top-level quantities. For each property we review materials, drawings, layouts and specifications to understand how the structure and service installations have been designed and built. We visit the property to conduct a physical survey, checking construction methods, quality of materials used and standard of finish. We pay special attention to unique architectural features, irregular forms and atypical elements that can influence the potential rebuilding cost.

FIV/RCA can be delivered on its own or in combination with Technical Due Diligence (TDD). When combined, you gain both an insurance-focused rebuild value and a wider view of condition, risk and compliance in a single, consistent overview. Our TDD approach can also be tailored to any development plans, highlighting potential risks and opportunities with your future planning.

Our RCA & FIV process includes

Reviewing drawings and specifications as well as conducting a structured physical inspection
Assessing construction methods, complexity and any architectural anomalies or non-standard elements; evaluating level of finish, materials and key service installations

Calculating a realistic rebuild cost and documenting it with concise photographic evidence.

How Quantum strengthens your RCA & FIV

With Quantum you receive a Fire Insurance Valuation / Reinstatement Cost Assessment grounded in both documentation and direct inspection. Our RICS-certified approach means FIV/RCA estimations are prepared in a way that banks, insurers and auditors recognise and can rely on. Clear conclusions supported by photographic evidence make it easier for all relevant stakeholders to understand the basis for the figures and to use them in their own decision-making.

Set the right insurance level with a valuation your bank will accept. Use Quantum for FIV/RCA to protect your assets.

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