Reinstatement Cost Assessment (RCA) & Fire Insurance Valuation (FIV)

Fire Insurance Valuation (FIV), or Reinstatement Cost Assessment (RCA), establishes the cost required to reinstate an asset for insurance purposes. We deliver RICS-compliant valuations that provide lenders and insurers with a clear, reliable basis for setting insurance levels and approving finance.

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

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

You require a RICS-compliant assessment accepted by insurers, auditors and internal stakeholders.

You own or manage a building with non-standard construction, high-end finishes or complex geometry that must be accurately reflected in the insurance value.

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Quantum’s Approach

Our valuations follow RICS-compliant methodology, providing a transparent and defensible basis for insurers, lenders and owners.

We assess each asset in detail, reviewing drawings, specifications and construction to establish how the building has been designed and built. This includes physical inspection and evaluation of materials, finishes and key installations to ensure reinstatement costs reflect actual asset characteristics.

FIV/RCA can be delivered independently or combined with Technical Due Diligence, providing a broader view of condition, risk and compliance within a single, consistent assessment.

Core Elements of Our Approach

Reviewing drawings and specifications and conducting structured site inspections
Assessing construction methods, materials, finishes and atypical elements

Calculating reinstatement cost and documenting with supporting evidence

Strengthening RCA & FIV

We provide Fire Insurance Valuations grounded in both documentation and physical inspection. RICS-compliant methodology ensures figures are transparent, defensible and aligned with lender and insurer requirements.

Clear conclusions, supported by evidence, enable stakeholders to understand the basis of valuation and make informed decisions on insurance levels.

This ensures appropriate insurance cover and supports lender approval.

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