Your sum-insured should include an amount of c. 10% and 5% extra to cover the cost of professional Architects and Surveyors’ fees, and the cost of complying with Local Authority requirements, respectively. Some insurance policies require you to use the insurance company’s own surveyors and contractors to specify and carry out repairs to your building; check your policy wording. However provided your sum insured is adequate it will usually include the cost of independent professional fees where necessary for reinstating your loss. R.I.C.S House Rebuilding Cost Index