Tell us about the premises
Complete one secure Zoho form and add an optional supporting document.
Rebuild assessments for clubs
Could your club afford to rebuild after a major loss?
A professional desktop assessment gives your committee a reliable basis for reviewing the buildings sum insured—without anyone visiting your club.
- £132 fixed fee
- No site visit
- RICS-regulated provider
Specialist assessment for club premises
Market value is not rebuild cost. Rebuild cost includes demolition, professional fees, debris removal, materials and labour—not just the price you could sell the property for.
Why check your figure?
Underinsurance can reduce every buildings claim
Where an average clause forms part of the policy, insurers can reduce a claim in proportion to the level of underinsurance. This can apply to partial damage as well as a total loss.
Club premises may include bars, kitchens, cellars, function rooms, stages, offices, stores, extensions and outbuildings. Construction prices, labour and professional fees also change. A current assessment gives your club a stronger basis for selecting its buildings sum insured.
Illustrative storm claim
Club’s declared value£600,000
Assessed rebuild cost£800,000
The club is underinsured by25%£200,000 below the assessed rebuild cost
Storm damage to the roof£100,000 claim
£600,000 insured÷£800,000 required=75%
Illustrative claim payment£75,000
Club may have to fund£25,000
This simplified illustration assumes the average clause is applied before any policy excess. The actual outcome depends on the policy terms, claim circumstances and insurer’s assessment.
69%
of commercial properties assessed were underinsured
Rebuild Cost Assessment Limited’s currently published commercial-property data also reports that underinsured buildings are covered for only 67% of the amount required on average.
Professional desktop assessment
What happens after you order
Professional assessment
The provider reviews your information alongside mapping, aerial imagery and current BCIS regional rebuilding-cost data.
Receive the report
Your report gives the recommended rebuild value, cost breakdown, measurements, images, maps and methodology.
Completed by Rebuild Cost Assessment LimitedA RICS-regulated provider. Please allow approximately 14–21 working days once all required information has been supplied.
Published statistics and service information: Rebuild Cost Assessment Limited. The statistic relates to commercial properties generally and is not specific to clubs.
Real club experiences
What LAP clients discovered
Almost 50%underinsured
“I was very pleased with your professional advice and service throughout. The club would have been virtually 50% underinsured had we not done this.”
56%underinsured
“I thought the price was good and money well spent. Had we not had this done, we would have been 56% underinsured. We received the report in good time and now feel confident we are correctly insured.”
Read more client experiences on the LAP Insurance Brokers website.
Video 1
Why we cannot simply tell you the rebuild value
Video 2
How underinsurance can reduce a claim
See what you will receive
View an example commercial report
Show your committee the provider’s official sample before placing the order.
- Recommended rebuild value and VAT guidance
- Building, professional and demolition costs
- Property measurements, photographs and maps
- Assessment methodology and basis
View the sample report →
Fixed fee: £132
Order your club’s assessment
- No site visit required
- Allow approximately 14–21 working days
Secure LAP order form
If the form does not appear, open the secure form in a new tab.
Common questions
Before you order
Will anyone visit the club?
No. This is a desktop assessment completed remotely using your information, mapping, aerial imagery and professional rebuilding-cost data.
What information will we need?
Your club’s name and premises address, contact details, listed status, and whether the property has a basement, mezzanine or outbuildings. You may also add one supporting file such as floor plans, a previous survey, planning documents or premises photographs.
How and when do we pay?
Payment of £132 is required before the assessment is instructed. LAP will review your order and explain the payment arrangements.
How long will the report take?
Please allow approximately 14–21 working days after all information required to complete the assessment has been supplied.
Does the report change our insurance automatically?
No. The report helps you review the buildings sum insured with your insurance adviser. It does not amend your policy automatically.
Is every club suitable for a desktop assessment?
Most standard club premises can be assessed remotely. Listed, unusual, highly complex or significantly altered buildings may require further information or a different assessment. We will contact you before proceeding if this applies.
How LAP uses the information in this order
L A P Insurance Brokers Ltd uses the information you provide to arrange and administer your rebuild cost assessment, contact you about the order and meet applicable legal and regulatory obligations. Information needed to complete the assessment will be shared with Rebuild Cost Assessment Limited and processed through Zoho Forms. We retain records in line with our legal and regulatory requirements. To ask about your information or exercise your data-protection rights, email admin@lapinsurance.co.uk. You may also complain to the Information Commissioner’s Office.