If the installer has ceased to trade or fails to fix the issues, remediation costs up to £20,000 should be covered by a guarantee.44 TrustMark confirmed in follow-up correspondence that these policies do not cover compensation for ill health or loss of earnings that might arise as a consequence of mould.45 The Department told us that households had not yet claimed on the guarantees in large numbers and that the installers were remediating the work.46