Get accurate Insurance Cost Assessments from Australia’s Leading Chartered Quantity Surveyors
Ensure your property is insured at its true value. Our experts deliver detailed Reinstatement Cost Assessments (RCAs) to protect you from underinsurance or inflated premiums.
Why Choose Koste Chartered Quantity Surveyors?
Certified Chartered Experts
Koste is certified by AIQS and chartered by RICS, ensuring the highest standards of accuracy and professionalism in our reports.
These qualifications guarantee that our Reinstatement Cost Assessments are recognised by insurers and meet Australian regulatory requirements.
Cutting-Edge Technology
Koste uses the latest technology and software to deliver fast and precise reports, integrating real-time data on construction and rebuilding costs.
Thousands of Reports Annually
With thousands of reports completed each year, Koste has extensive experience across a wide range of property types – from residential homes to large commercial projects.
This allows us to offer accurate valuations based on up-to-date industry knowledge.
Fully Insured Reports
Our reports are backed by Professional Indemnity Insurance, offering you added peace of mind in case of any discrepancies.
Why You Need a Reinstatement Cost Assessment
Avoid Underinsurance
Underinsurance is a common issue that can leave property owners facing major out-of-pocket expenses in the event of a claim. Our assessments ensure your property is adequately covered to prevent shortfalls.
Avoid Overpaying for Insurance
Overinsuring your property leads to inflated premiums. We provide accurate rebuilding costs, ensuring you only pay for the coverage you actually need.
AIQS-Approved Practices
Our assessments follow AIQS guidelines, ensuring compliance with Australian standards and providing you with reliable valuations that meet insurer requirements.
What’s Included in Our Reports
Our comprehensive RCA reports include:
1
Building Structure and Services: Full assessment of materials and structural components to determine rebuilding costs.
2
Demolition and Site Clearance Costs: Consideration of removal and demolition expenses.
3
Professional Fees: Calculation of necessary fees for architects, engineers, and other professionals involved in the rebuilding process.
4
Escalation for Inflation: Account for future construction cost increases, ensuring your policy covers inflationary factors.
Hear From Our Clients
“Really clear advice. I didn’t realise how much I could claim until Koste explained it properly. They didn’t just send a report — they talked it through with me so I knew exactly what to do next.”
Anna – Frankston, VIC
Varified Client
“Not the cheapest option, but definitely the best. Koste actually took the time to understand my property and gave me help even after the report was done. Worth every cent.”
Jason – Joondalup, WA
Varified Client
“As a first-time investor, I was nervous about the process. Koste made it simple and walked me through everything step-by-step. I feel a lot more confident now.”
Michelle – Liverpool, NSW
Varified Client
The team actually called to ask about renos and checked in after the report was sent. That kind of follow-up is rare these days. You can tell they care about getting it right.
Urfan – Ipswich, QLD
Varified Client
“I’ve used other companies before and never got this level of support. Koste broke down what I could claim and helped me understand it over time, not just upfront.”
Joan – Glenelg, SA
Varified Client
“Good communication, easy process, and they didn’t treat me like just another job. It felt like they wanted to help me make the most of my investment.”
Ethan – Kingston, TAS
Varified Client
“I spoke to three companies before choosing Koste. They weren’t the cheapest, but they were the only ones who gave me proper advice, not just a sales pitch. You get what you pay for.”
Laura – Gungahlin, ACT
Varified Client
“The report was great, but what stood out was the support. Even months later, I called with a question and they were happy to help. That kind of service is why I’d use them again.”
James – Palmerston, NT
Varified Client
Our Pricing
On-Site Assessments
Commercial and high-value properties will be priced based on complexity and location.
Starting from
$600+GST
(metro areas)
Desktop Assessments (Not Applicable)
Based on AIQS guidelines, Koste does not currently offer desktop assessments due to the need for full accuracy in insurance valuations.
Frequently Asked Questions
What’s the difference between a Reinstatement Cost Assessment and a market valuation?
In contrast, a market valuation reflects the current selling price of the property in the real estate market, considering factors like location, demand, and comparable sales. An RCA is not related to market trends but focuses on the cost of physical replacement.