Ms Moyagh Murdock:

The insurance industry is also putting its faith in the certification process and in the qualifications and expertise of the experts, such as the engineers, the NSAI and the surveyors, and when they get a certificate of remediation, that home is treated no differently from a home that has been unaffected. As for down the line, as I said previously, deleterious materials were not covered in the past and they will not be covered in the future either, but the home would have been insured against flood, fire, theft and the normal perils. I understand the concerns about the scheme not meeting the standard, but home insurance in its normal guise is probably not the main concern of homeowners. Rather, it is having to go back to square one with a rebuilding programme. That would not have been the coverage under home insurance in the first instance.