A London semi-detached house, built 1890s, converted into two leasehold flats. The upper part, my flat, is on split levels, such that the house has two storeys at the front and three in the rear. Otherwise fairly standard, I think.
Following the BCIS pages, I've calculated the gross external floor area and, using their tables, can calculate the rebuild value, as needed for insurance, that would apply if it were an unconverted house.
Are there any fairly general and static guidelines for calculating the rebuild cost for flats -- in which case adding a rough safety margin might do -- or is it very variable and something for which it would be best to get a local chartered surveyor's benchmark?
I'm also wondering if our current insurer's rate is high: GBP 3.13 gross per thousand pounds cover.
And also whether their helpline was right in saying that they couldn't provide accidental damage cover because there were two households.