Commercial Reinstatement Tool

Help

Login and access

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Can I work collaboratively with other people in my company?

Yes, it is possible for more than one person in the same company to use the RICS Commercial Reinstatement Tool at the same time. If you are however an insurer who would like to add or delete a broker from your list of authorised users please contact us.

How do I assign logins for multiple brokers?

Please contact us and we will provide you with login IDs and passwords for you to pass to your brokers.

How do I add a broker to access the tool if they were not already on my list when I started my subscription?

Please contact us and we will issue you with a login ID and password for you to pass on to your broker.

How can I stop a broker who is no longer part of my network from using the RICS Commercial Reinstatement Tool?

Please contact us and we will disable the broker's access at your request. Please note it is up to you to communicate to the broker that their access has been disabled. Should a broker contact us we will refer them back to you to communicate this message.

Using the Commercial Reinstatement Tool

How do I start a new assessment?

Click the 'Create Assessment' button in the top right hand corner of the screen on the 'My Assessments' page and you will be automatically taken to the first page of the Assessment entry form.

I saved an assessment part way through, how do I retrieve it and start working on it again?

On the 'My Assessments' page all of your saved assessments will be stored. Once you have located your chosen assessment using the Sort function in any of the columns, click the Edit icon. You should then be able to review and continue working on your assessment.

How do I view previous assessments?

On the 'My Assessments' page all of your saved assessments will be stored. Once you have located your chosen assessment using the Sort function in any of the columns, click the Edit icon. You should then be able to review and continue working on your assessment.

Can I download the report from a previous assessment?

Once you have saved an assessment you can download the PDF as many times as you wish, though each download will count as a look-up if you or your organisation is not on an unlimited subscription package.

Can I re-run a previous assessment?

Once you have saved your assessment you are free to re-run, edit, copy, download a PDF or delete as you wish. However, the RICS Commercial Reinstatement Tool will save all edits made on that assessment and overwrite with any changes you make. If you wish to compare any edits you will need to select the Copy Assessment icon and have more than one version of the assessment.

Why do I have to fill in some fields before I can move on to the next page?

Certain fields are required so a record could be kept for the assessment and they can be found on the ‘My Assessments’ page. These include Reference; Assessment Date; Assessor and Assessing Company. You will also be required to give the Property a name at this point. Other fields are required so the RICS Commercial Reinstatement Tool can return a result for you. Without them they will not do this. These include Current Sum Insured; Policy Start Date; Postcode; Gross Internal Floor Area; Building Function Group; Building Function and in the case of External Works (if entered manually), Quality and Quantity.

What information do I need to achieve a reinstatement estimate in the report?

This is answered in the question above. Other fields are there for information purposes only and should you use them they will appear on the final report. However they will not be used to calculate the reinstatement estimate. Those that are not contributing to the estimate are defined in the Help icons (question marks).

Can I overwrite any pre-populated information?

The pre-populated fields are intended to provide you with a result from our database. If you are aware of a particular circumstance with regards to your assessment that will influence this e.g. construction duration, or demolitions percentage cost, then you are free to amend accordingly and the final report will display your information. Your final reinstatement assessment will also be calculated accordingly.

Carrying out an assessment

How does having a Day 1 Policy affect the final result?

In accordance with the RICS guidance note ‘Reinstatement cost assessment of buildings – 2nd edition, the majority of buildings in the UK are insured on what is commonly known as the ‘Day One Reinstatement’ basis. Insurance cover arranged under such policies allows for claims to be settled on a ‘new for old’ basis if repairs are actually carried out. In theory it does not matter how old a building is or what its state of repair. If insurers have agreed indemnity by reinstatement cover, the damage to the building will be repaired to a condition substantially the same as, but not better than or more extensive than, its condition when new and the insured will not have to contribute to any betterment. ‘Day One Reinstatement’ is derived from the fact that the sum insured is made up of two elements: a ‘Declared Value’ and an ‘Inflation Provision’, as explained below. The insurer’s limit of liability for any claim is the sum insured on any particular building unless the policy provides otherwise.

What is a property or a building?

An insured property may have more than one building. When we refer to building we are talking about a single structure which may have more than one functional area within it.

How do I account for a mixed-use building?

The results are grouped by the Building Name field. If you enter two lines with the same Building Name but different functions these will be added together in the report (and presented as one building).

What is Gross Internal Floor Area (GIFA) and how is it measured?

Gross Internal Floor Area is the area of a building measured to the internal face of the perimeter walls at each floor level. Internal face means the brick/block work or plaster coat applied to the brick/block work, not the surface of internal linings installed by the occupier.

Can I check the previous year’s renewal?

Yes, simply set the Policy Start Date to the start date of the previous policy.

Can I view the RICS Guidance Note: Reinstatement Cost Assessment of Buildings?

The guidance note is freely available to download.