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16Collateral field

Modern finish rebuild cost estimate in lending decisions.

Modern finish rebuild cost estimate gives the reinstatement cost to rebuild the property to a modern finish, one of three finish tiers, published modelled with 100% coverage across England and 100% across Northern Ireland. Where modelled, review the current dictionary evidence and validate the estimate against your own reference cohort. Attribution and refresh period are in the dictionary.

Premium tierModelledEngland 100%N. Ireland 100%Refresh Monthly

Pretira publishes modern finish rebuild cost estimate modelled at 100% coverage across England, 100% across Northern Ireland, refreshed monthly, with declared and modelled kept separate.

16.1Decision rule
// routing pattern
IF sum_insured < modern_finish_rebuild_cost_estimate -> flag potential underinsurance

The sample record returns £230,000 to a modern finish; a sum insured below that is a prompt to review cover, with basic and luxury tiers bracketing the range.

16.2Where it bites
01

Reinstatement and buildings-cover context across three finish tiers.

02

Portfolio underinsurance views.

03

Rebuild context alongside value and construction type.

16.3Provenance

Modelled from the property attributes with labour and materials splits available; methodology documentation is supplied on request. Basic and luxury finish tiers sit alongside this modern-finish estimate.

Class: Modelled · Refresh: Monthly · England: 100% · N. Ireland: 100%

›GET /property/999000000001sandbox: true
property.value.rebuild.modern_finish_rebuild_cost_estimate230000
property.attributes.indoor.floor_area_declared_and_predicted145
property.value.sale.property_value425000
Sample record only - 1 Cedar Street, CH1 1MN. Deterministic synthetic data. No live call from this page.
16.4Related fields
Floor area (declared and predicted)CoreFrame Construction Material (declared and predicted)CoreProperty sale valueCoreStorey CountPremium
16.5FAQ

Three questions on this field.

Yes - basic, modern and luxury, with labour and materials splits. This page covers the modern-finish estimate; the others sit in the dictionary alongside it.

A model, built on the property attributes. Methodology documentation exists and is supplied on request.

Covered across Great Britain and Northern Ireland - rebuild is one of the layers that runs at full Northern Ireland coverage.

Premium tier. Routing rules on this page are illustrative patterns; coverage figures render from the dictionary. Dictionary: July 2026.

Review this field before you deploy it.

Start with a synthetic record or a controlled standard sample. We will show the field provenance, coverage and testing, then scope the production route.

Request a controlled sampleSee commercial routes