My Lords, I join the noble Lord, Lord Roborough, and the noble Baroness, Lady Humphreys, in thanking all the people who responded and supported local communities during these floods. There have been many volunteers from the communities, such as farmers—in my community, it was a farmer who came and helped out—as well as the emergency services, the Environment Agency, Natural Resources Wales and so on. Without the extraordinary response that we always get from local communities and our emergency services, things would be so very much worse. Our thanks go out to them.
The Government recognise the terrible impact that flooding has on householders and businesses, and we absolutely sympathise with all those who have been affected over the last week or so. We know that flooding has a devastating effect, whether that is physical damage or disruptions to daily activities. There are also impacts on health, particularly mental health, for those who suffer from flooding.
The noble Lord, Lord Roborough, asked about insurance. This is always a difficult issue once you have been flooded. It is really important that Flood Re exists in the first place. It has made a huge difference over the past few years for those who have struggled to get insurance. As the noble Lord said, we do not currently have any plans to extend its scope, but it will be part of our review of all policies, because there are clearly concerns about those who do not come under Flood Re, whether multiple occupancy homes, businesses or properties built after 2009. If colleagues have examples where properties, particularly those built after 2009, have suffered, I would be very happy to take examples so that, as we review, we have clear evidence in front of us.
We need to consider how we best support households. When Flood Re came in, its scope for eligibility and its duration were agreed alongside government and industry. It is really important that industry supports what government is doing in this space. Any changes to the scope of the scheme have to be consistent with the original agreement and premises that came through with industry—but, clearly, we will keep this under review.