---

Pitt Report

I share my hon. Friend's concern about the families who are still out of their homes. As she rightly identifies, the bulk of the problems are to do with insurance. It is notable that of the 4,716 households affected, I think only 173 were families in local authority or registered social landlord accommodation. That tells a story about where the difficulties lie. It is also worth remembering that 18 months after the terrible floods in Carlisle, one in 10 households were still out of their home. We need to acknowledge that it takes time for homes to be ready. On my hon. Friend's second point, as I said to the right hon. Member for Wells (Mr. Heathcoat-Amory) a moment ago, it is important that we get the balance right and that everyone who has responsibility works together.