Top 5 Desktop Rebuild Cost Assessment Solutions for Property Professionals

Do you ever lay awake at night, playing out scene after scene of worst case scenarios? If so, you’ve probably fretted over what might happen if your commercial property was damaged — or worse, destroyed.

Of course, if a disaster strikes, your property insurance would swoop in to take care of things. Job done! Well, not exactly…

Unfortunately, it’s not that simple, because any eventual payout would be calculated according to the property’s rebuild cost — not its market value. Without wanting to add to your nighttime worries, this is why it’s crucial to figure out exactly what this figure is. Get it wrong, and there’s every chance you could be over- or underinsured, neither of which is good news for your bank balance (or sanity).

This is where rebuild cost assessments come in. These handy services are designed to take the stress out of calculating rebuild costs. With just a few key details about your property (and an on-site visit) an assessment can provide a reliable rebuild cost estimate quickly and efficiently.

But with so many providers out there, how do you pick the one that’s right for you?

Well, we’ve done the digging for you. Below, you’ll find our top five rebuild cost assessment solutions for property professionals — all designed to help you sleep a little easier at night.

1. Rebuild Cost Assessment

Kicking off our list is Rebuild Cost Assessment, a user-friendly platform that’s built specifically for busy property professionals who need quick, accurate rebuild cost estimates without the fuss.

Their team of chartered surveyors can visit you in person, or perform a desktop rebuild cost assessment using smart tech like Google Street View and Ordnance Survey data to remotely assess your property — meaning you get a detailed, professional valuation without anyone needing to turn up at your door.

For just under £200, you get a clear, easy-to-understand report that breaks down your property’s rebuild cost, which is crucial for making sure your insurance cover is spot on. No nasty surprises later when you need it most!

They’re especially handy for landlords, property managers, and brokers juggling multiple properties, offering a stress-free way to keep your rebuild costs up to date. And if your property needs a closer look, they’ll recommend an on-site assessment, with a quote ready for you.

Best for: Professional property owners requiring a dedicated, no nonsense desktop rebuild cost assessment service.

Pricing: From £199.75, property size dependent.

2. Barrett Corp & Harrington (BCH)

Barrett Corp & Harrington (BCH) bring a hands-on, professional approach to rebuild cost assessments. Their team of RICS-qualified surveyors combines local market knowledge with the latest construction cost data to provide rebuild figures that are accurate and tailored to your property’s specifics.

BCH prides itself on producing clear, comprehensive reports that highlight key cost components and risk factors, helping you understand how the rebuild cost is calculated. Their assessment process means you can get a professional rebuild cost figure that can be relied upon — and provide you with some much-needed peace of mind.

They’re comfortable handling a wide variety of property types, from residential to commercial, and their reports are well-regarded by insurers and brokers alike.

Best for: Property professionals who want detailed, tailored rebuild cost assessments for higher-value homes.

Pricing: Price available on request

3. Property Rebuild Cost

PropertyRebuildCost.co.uk is a fast-growing name in the rebuild cost assessment space, offering an easy and efficient solution for property professionals who want reliable rebuild valuations without breaking the bank — or wasting time.

Their process is fully desktop-based, using high-resolution aerial imagery, mapping data, and in-house surveyor expertise to produce rebuild cost assessments that are insurer-ready. This makes them an ideal choice if you’re looking for a quick turnaround and minimal disruption.

Each report includes a detailed cost breakdown, helping you understand exactly how your rebuild value is calculated. Plus, their streamlined online ordering system means you can request an assessment in minutes, whether you’re managing one property or an entire portfolio.

They’re particularly popular with letting agents, landlords, and small commercial property owners who need dependable assessments to stay compliant with insurance requirements — and avoid the common pitfalls of over- or under-insurance.

Best for: Busy professionals who want a fast, reliable, and cost-effective desktop rebuild cost assessment.

Pricing: From £149, depending on property type and complexity.

4. Insurance2day

Insurance2day offers desktop rebuild cost assessments as part of their broader insurance and risk management services. Their rebuild cost reports are designed to be straightforward and easy to understand, helping property owners quickly check their insurance cover without hassle.

They combine construction cost data with desktop survey techniques to produce reliable rebuild cost estimates that fit most common property types. The service is efficient and designed with busy property managers and landlords in mind, who often need quick results to keep insurance up to date.

As part of a larger insurance platform, Insurance2day can also help with policy reviews and insurance placement, making them a handy one-stop shop for property professionals.

Best for: Landlords and property managers looking for quick rebuild costs alongside insurance advice.

Pricing: Pricing available on request.

5. Howden Insurance

Howden Insurance isn’t just about policies — they also provide rebuild cost assessments that are trusted by many property professionals. Their assessments are carried out by qualified surveyors who use a combination of data sources (such as floorplans)  and professional insight to give you a rebuild cost figure that holds up when it counts.

One advantage of Howden is their strong ties to the insurance industry. Their reports are tailored to meet insurers’ expectations, which means fewer questions or delays when it comes time to make a claim. They’re also used to dealing with all sorts of properties, from standard residential buildings to more complex commercial assets.

If you already work with Howden for insurance, their rebuild cost service fits neatly into the package — helping you keep all your property risk management in one place.

Best for: Clients wanting rebuild cost assessments backed by a well-known insurance broker.

Pricing: Price available on request.

So there you have it — five of the most trusted rebuild cost assessment providers in the UK. It’s one of the simplest ways to protect your investment if the worst ever does happen. And with these services, there’s really no excuse to leave it to guesswork.