In written evidence, the ABI called on government to adopt an approach that priorities property protection and building resilience alongside risk to life. It said that without a standard requiring the removal of combustible material in external walls (insulation and cladding), the risk of significant fire spread would remain after remediation and there would be a limited impact on insurance premiums. MHCLG told us that there was a balance to be struck between paying for remediation that removes all risk or taking a proportionate approach around the right amount of work to do.55 51 Q 50; C&AG’s Report para 2.20 52 Qq 19, 50–51; MHCLG Remediation Acceleration Plan 53 Q 51; RDC0138 Written evidence submitted by the Association of British Insurers, 4 February 2025 54 C&AG’s Report, para 1.11 55 Q 52; RDC0138, Written evidence submitted by the Association of British Insurers, 4 February 2025 21 3 Ensuring value for money Managing uncertain costs and timescales