Property and Building Surveyors

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www.propertysurveying.co.uk
...for all your building survey and property requirements

Property and Building Surveyors

To find an independent building surveyor in your local area either:

Call 0800 880 6264

Or click on "Home" above


The Chartered Surveyors contactable via this website generally perform Building Surveys, major defects surveys, homebuyers reports or house buyer reports, valuations or single fault assessments. Some carry out photographic inspections and assessments of properties for purchasers at the same time as carrying out building surveys or other reports. (Building Surveys were formerly called structural surveys but the RICS changed their name.)

Building Survey
Structural Survey
Major Defects Report
House Purchase Survey
Home Buyer Survey and Valuation
Single Fault Assessment
Mortgage Valuation
Property Valuation
Buildings Insurance Valuation
Onsite Acquisition Advice
Photographic Inspection Advice
Expert Witness Reports
Party Wall Work
Planning Advice
Building & Land Plans
Schedule of Condition
Schedule of Dilapidations
Project Management
New Build Assessments
Boundary Dispute Advice

What is a Buildings Replacement Insurance Valuation?

Buildings Replacement Insurance Valuation

This is "as it says on the tin", namely the cost of rebuilding a property irrespective of the condition the building or site may be left in following a disaster. It is not the same as the market price of the property or the cost of building the property.

At the time of carrying out most building and advice inspections, it is typical for the surveyor to provide a building replacement valuation that will be required for a purchaser's buildings insurance.

This should be updated regularly depending upon the terms and conditions of the policy provider. Many policies are typically indexed linked and assume that the Buildings Replacement Valuation is acceptable as a basis for insurance for 5 years. After 5 years any difference will possibly result in inadequate insurance cover.

Insurance companies do not usually pay up the pro rata differential of even a small claim and any claimant would need to find this amount. Different policies have different terms and conditions and it is recommended that these be read carefully.

Some insurance brokers and companies sometimes inappropriately try to indicate to their clients the Building Costs of properties. In their small print you will usually find that they are not insured and that it is the responsibility of the owner to be certain that the figure they provide is correct.

It is the owner's duty to make sure that the property is adequately insured. If there is a mortgage on the property it is often a legal obligation to keep this valuation updated. There are also legal ramifications where adjoining properties may be affected.

A Buildings Replacement Valuation on its own is not usually expensive, depending upon a number of factors. It is invariably incorporated into the typical services provided by a Chartered Surveyor subject to client agreement, whether an Acquisition inspection is required or more detailed building inspection is undertaken.

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This page, and those under the links to the left, is for those who are unfamiliar with obtaining property surveys and who would like a greater general understanding before they telephone or contact the appropriate Chartered Surveyor closest to the subject property.

Many people do not wish to read long explanations. In which case, telephone the Chartered Surveyor where you need a survey or advice and he or she will be happy to discuss and explain the options to you. You will then be able to discuss the most appropriate course of action and make a fully considered decision.

Sometimes the most appropriate kind of inspection can vary for different people, as well as for different properties, meaning personal advice from an experienced professional is often the only way to really ascertain what you need.

Virtually all Chartered Surveyors will adapt and carry out an individual building inspection to suit your individual needs. A bespoke service or an extra to a typical survey format should enable all the requirements of a client to be addressed.

There are a number of other types of building assessment possible, each found on the links to the left. To select the most appropriate service, we are, as aforementioned, of the opinion that the most appropriate course of action is to speak to the Chartered Surveyor who knows the area well and can discuss your individual requirements.

Please remember that Chartered Surveyors are often onsite and therefore uncontactable even with mobile phones. If you telephone and get an answerphone, please leave a message, or e mail the surveyor, and he or she really will call you back as soon as is possible.


If you have any questions on property matters, or proposals for advice articles,
do not hesitate to write to us via the Contact Us page.

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