My Lords, I declare an interest. I am the chairman of an insurance broking organisation and I have been a director of the British Insurance Brokers’ Association. I took part in the debate on flooding and I reinforce the points made by my noble friend Lord Taylor. The insurance industry has acted very quickly; indeed, we have settled claims as quickly as we can. Our difficulty sometimes is that a lot of properties are not insured, and this is where there is perhaps difficulty in obtaining reinstatement. Indeed, the experiences of our clients demonstrate that people suffer from a great deal of anguish. Does the Minister agree that there must be better co-ordination between the Environment Agency and local authorities, because one criticism is that there is not a great deal of that? Can he assure us that there will be a timetable for implementing what has been suggested?