Your buildings and contents must be insured for the correct sums to ensure you are not underinsured in the event of a claim. Our risk management surveyors undertake surveys of churches to review buildings and contents values for insurance purposes.
Our risk management team is here to provide help and advice to you on issues relating to insurance, property valuations, and managing the risks associated with the church buildings and their use.
When insuring the church building, it is expected that the policy sums insured represent the full cost of rebuilding the church from the ground upwards should it be destroyed, for example, by fire. This allows for rebuilding on a basis generally referred to as “new for old”. The contents sum insured should represent the cost of replacing the contents with modern replacement items. An allowance for professional fees and VAT should be included where appropriate.
Churches will vary in age, accessibility, size, construction, and location. Special consideration needs to be applied if a church is a listed building or is situated in a conservation area. This will have an impact on the estimated rebuilding costs of the church and the sums insured recommended.
Our Risk Management Surveyors will provide this information to you in a report following the survey.