Yes, the hon. Gentleman makes a very important point. In talking about the shared responsibility that so many have, I have stressed that the Government
have a responsibility, as does the construction sector, and insurance companies certainly do. It is the case that insurance companies, unfortunately, are charging premiums that I believe are way above what they should be. That is impeding the capacity of individuals to get on with their lives and it is imposing costs that are unnecessary. The Under-Secretary of State for Levelling Up, Housing and Communities, my hon. Friend the Member for North East Derbyshire (Lee Rowley), who is the Minister responsible for the implementation of the building safety regime, has been talking to the Association of British Insurers, individual insurance companies and insurance brokers to try to make progress. There has not been as much as I would like, but, again, I will update the House in due course, as I know my hon. Friend will as well.
I mentioned developers, and it is the case that developers are taking responsibility for all the necessary work to address life-critical fire safety defects in buildings of over 11 metres high that they either developed or refurbished in England during the 30 years to 5 April 2022. There are more than 1,100 buildings in scope that are unsafe, and the cost will be £2 billion. Again, I am grateful to developers for shouldering that responsibility. Developers must also keep residents informed about the progress of these works. As I know from my own constituency, it is absolutely vital that residents are involved in that process.