Accurate Home Replacement Cost Calculations
Generate Replacement Cost New (RCN) values for insurance and defensible Cost Approach support for appraisals. Built from real construction data.
See It in Action
From address to detailed cost breakdown in minutes
Enter Your Property
Start with an address. ReCost™ pulls public records and pre-fills property details so you can confirm or adjust.
Review the Home Spec
Every construction detail — roofing, siding, HVAC, finishes — laid out with data source indicators showing what came from records vs. inference.
Get Component-Level Results
215 construction tasks across 9 component groups, each with explicit scopes and localized pricing. Fully transparent.
Professional Reports You Can Share
Download detailed PDF reports with full cost breakdowns, property specifications, and data source documentation
Every Detail, Documented
- 1Cover & Summary — Property details, RCN estimate, property photos, and data completeness score
- 2Line-Item Detail — Every construction scope with quantities, material costs, and labor costs
- 3Data Sources — Every spec traced to its source: known, public records, or inferred
What ReCost Delivers
Three distinct outputs for different professional needs
Replacement Cost New (RCN)
- Right-sizing insurance coverage
- Like-kind, like-quality rebuild costs
- No market value confusion
Cost Approach Support
- RCN + age-life depreciation
- Effective age & economic life
- Appraisal-ready outputs
Cost to Cure
- Itemized, curable deficiencies
- Safety, deferred maintenance, functional issues
- Supports adjustments & reconciliation
Built for Professionals Who Need Reliable Cost Data
Homeowners
Understand what it would actually cost to rebuild your home. Make informed insurance coverage decisions.
Learn about RCN →Insurance Professionals
Accurate RCN backed by local labor and material costs. Reduce underinsurance risk with transparent, explainable results.
Insurance solutions →Appraisers
Produce defensible Cost Approach results faster. Component-level detail with reviewer-ready documentation.
Appraiser tools →Why ReCost Is Different
- Built on real contractor pricing data, not generic cost indices
- Explicit construction scopes instead of black-box percentages
- Separates insurance RCN from appraisal depreciation — no mixing of concepts
- Localized to zip code using actual labor and material rate data
- Transparent, explainable results you can defend to reviewers and clients
Built by the Team Behind Clear Estimates
Clear Estimates powers construction cost data for contractors, adjusters, and estimators nationwide. ReCost brings that same data foundation to insurance and appraisal professionals.