Leasehold

The RTM pack includes a buildings-insurance schedule and the survey does not comment on the sum insured. Whose document is the schedule?

The schedule is the RTM pack's document, not a finding of the survey. The pack includes a buildings-insurance schedule, and the survey does not comment on the sum insured. The inspection has not checked whether that sum would rebuild the block, whether the risks match, or whether the policy is in force. It belongs with the right-to-manage papers. The survey has left the figure alone, which is not the same as approving it.

Last reviewed 24 October 2026. Written for buyers in England and Wales unless this answer says otherwise. No named surveyor has signed this page. It is general guidance, not a report on your house, and not legal advice.

What is the fuller explanation?

Right to manage lets a leaseholder company take management functions, including buildings insurance where that duty sits with the manager. A schedule in the pack shows a policy being presented. It is not the surveyor's view of the rebuilding figure and it is not a broker's advice. The home survey of a flat does not audit the sum insured. Silence on the number is not a statement that the cover is enough, and it is not a statement that the policy fails.

Ask the solicitor to read the schedule, to confirm who is insured, and to say whether the sum needs a proper check. Do not treat the survey's silence as comfort that the cover is adequate. If the rebuilding figure should be reviewed, that is a valuer or a broker, not this inspection. The survey has not commented on the sum and it has not become the RTM company's insurance adviser.

What should you ask your surveyor?

Whose document is the buildings-insurance schedule in the RTM pack?
Has the survey commented on the sum insured?
Is silence on that sum an approval or a refusal of the cover?

What are the typical next steps?

Treat the schedule as an RTM document, not a survey finding.
Ask the solicitor to read who is insured and for what sum.
Do not take the survey's silence as a view on the cover.

Costs vary with the building and with who you instruct. Where this page does not cite a published figure, ask the surveyor, a relevant specialist, or your solicitor for a written quote. Do not treat a forum average as the price.

Also asked about this

If the premium looks modest, is the sum insured enough?

The survey has not said so, and a premium is not a rebuilding figure. The schedule is in the RTM pack, and the inspection does not comment on the sum insured. Whether the figure would reinstate the block is a question for someone who values that risk. Modest or large, the premium was not audited here.

Does the flat survey have to name the insurer?

No. The schedule is the RTM pack's document. The survey's job was not to comment on the sum insured, and it has not become a list of the insurer's details. The solicitor can read the name on the schedule. Absence of that name from the report is not a finding that the block is uninsured.