Your client must always insure their home cover is based upon the rebuild value of the property and not the purchase value.
The purchase value of your client's home isn't necessarily the same as the cost of rebuilding their home. If your client had a survey or valuation completed at the time that they bought the property, the valuer should have calculated the current rebuilding cost.
It's your client's responsibility to make sure the sum insured is adequate to rebuild the property.
If your client is unsure of rebuilding costs, they can get some information from the ABI website http://abi.bcis.co.uk/ which may be of help, particularly with regard to measuring their home. Alternatively, your client should seek professional advice.
The purchase value of your client's home isn't necessarily the same as the cost of rebuilding their home. If your client had a survey or valuation completed at the time that they bought the property, the valuer should have calculated the current rebuilding cost.
It's your client's responsibility to make sure the sum insured is adequate to rebuild the property.
If your client is unsure of rebuilding costs, they can get some information from the ABI website http://abi.bcis.co.uk/ which may be of help, particularly with regard to measuring their home. Alternatively, your client should seek professional advice.