Insurance Advice

Hardies prepare Insurance Valuations for both Residential and Commercial properties. Many insurers require a professional valuation to be carried out, which calculates the cost of rebuilding a property in the event that it is damaged or destroyed by flood, fire or other disaster. This is often referred to as a Reinstatement Valuation.

The valuation process involves a detailed inspection of the property, an accurate measurement of the floor area and a record of any special features. Thereafter, the cost to re-build the property is calculated to ensure that adequate cover is in place.

Problems occur where a property is damaged by flood, fire etc and it is discovered that insufficient cover is in place. Equally if the property is over-insured, a Client will be paying too high an insurance premium.

If you are concerned about your level of cover, please contact us to obtain an accurate reinstatement valuation, by emailing or contact one of our local offices.

For further information contact us

Featured Case Study

Mull Theatre

New build Theatre near Tobermory – Phase 1, Performance Space and Phase 2 kitchens and offices.


Read Case Study