Mr. John O'Donoghue:

Our feeling, which is based on anecdotal evidence, is that policy holders will use competent and registered contractors when they know they will be compensated properly by their insurers. If they receive less than a full indemnity at the outset, that encourages them to use unregistered contractors. That is what Mr. Downey meant when he said it is fostered by insurance companies. At this point, they must have a decent idea that this is what is happening. Fewer and fewer people are coming back to claim the retained portion of the agreed settlement. They are not coming back because they cannot provide the documentary evidence required.