"Jo" wrote in message
...
Hello, hello, is there anyone listening out there?

More than you credit since the link you provide has already appeared in the
thread.

"House Rebuilding Cost Assessments for Insurance Purposes

Most domestic house insurance policies require that the sum assured
is the full rebuilding cost of the property. It is the responsibility
of the insured to get this figure right.

Indeed and maybe but the thread has provided correct information that at
least two insurers indemnify against actual rebuilding cost based on only
house location and size and other insurers indemnify against actual
rebuilding cost if their cost estimate is accepted. That may or may not be
exactly what the OP wanted but its the way the group works until it gets
taken of the rails for no apparent reason.

BCIS is commissioned by the
Association of British Insurers (ABI) to provide guidance figures for
the rebuilding cost of a home. The information in this section gives
a general indication of rebuilding costs for many common properties
within the UK, but it should be noted that it is not appropriate for
all houses."

If its not appropriate for *most* then somebody has wasted their money.

http://www.bcis.co.uk/costass.html

In a way you pose a good question. The actual rebuilding cost will never be
known until rebuilding out-turn costs are known but I would expect any
rebuilding contract to be strongly influenced by floor area, cos that's how
builders and architects work As I said its what the valuer would use
anyway. And if the insurers really know better why should their suggested
figure for the same house vary so much?

Jim A