Rebuild Cost Valuation Services

The rebuild cost of your property is NOT the same as its market value.  Don’t guess and gamble with your insurance, or you may be shortchanged when you have to claim. 

We offer accurate rebuild cost valuations of your home or business by a Chartered Building Surveyor with extensive insurance experience.  Call us for more information.

Why it is so important to have an accurate valuation of the rebuild cost of your home or business for insurance purposes?

Insurance companies have recently tightened up their rules and many businesses and homeowners have been left out of pocket when they received their insurance claim payout. Practically all insurance companies now apply an average clause to determine the amount they are going to pay when settling a claim.

What it means, in plain language, is that the payment for any loss or damage will be in proportion to the value insured and the cost of replacing or rebuilding your property.


So if the cost of rebuilding your home or replacing your business asset is €200,000 and you were only insured for €100,000, when your office, factory or house burns down, you will only be paid €50,000, as the insurance company assumes that you were taking the risk yourself for the other 50% of the asset value.

In the case of a business, if you have underestimated the losses from a trade disruption, your insurance claim settlement may be insufficient to rebuild your business and start trading again.

When you take out an insurance policy, never underestimate the rebuilding cost of your property to lower your premiums. You will just receive a much smaller compensation in case of loss. This is particularly important for businesses. Your total Sum Insured needs to include the value of your potential trading losses, supply chain disruption, the value of your stock, and potential devaluation of your business.

For the sake of saving a couple of Euros on your insurance premium, you are putting yourself at a major risk of losing a lot of money in case of any damage to your property. 

Do you really know the current replacement value of your home or your business asset?

Or how much not trading for even a short while could cost you?

Don’t guess and gamble when taking up or renewing your Insurance Policy …

Over-insurance is almost as bad as under-insurance. There is no benefit in paying more than you should. You will not get a bigger payout if you claim. Your insurer will simply get more money for taking no additional risk.

Have your business value professionally assessed and have the peace of mind…

  • that you are paying the right insurance premium and avoiding the perils of underinsurance
  • that in case of any damage, you will receive full compensation for your loss


More details available on


Get The Benefits Of  A Professional Loss Assessor’s Advice

  • Have The Right Amount Of Cover
  • Be Covered For The Right Risks
  • Pay The Optimum Premium
  • Get Full Compensation For Your Loss In Case Of A Claim

Call  086 357 1713, to find out more or request a call back by entering your details below:

Trevor Kelly

Trevor Kelly

BSc (Hons) Building Surveying.
Registered Public Loss Assessor, regulated by the Central Bank of Ireland

Trevor has over 16 years of experience as an Insurance Loss Assessor. His services are fully compliant with the regulations of the Central Bank of Ireland.

He is:

  • SCSI Registered Chartered Building Surveyor
  • Member of the Society of Chartered Surveyors Ireland
  • Certified Insurance Practitioner
  • Member of the Insurance Institute of Ireland
  • Member of the Irish Claims Consultant’s Association
  • Member of British Damage Management Association