I thank my hon. Friend for his contribution. I think these situations are akin to mental torture; once someone has gone through this sort of flooding misery, all of a sudden they have one eye on the computer to see whether there is a flood warning coming up—they have had a few of those since 26 December 2015; indeed, they have had water coming through King Street. We must recognise the impact on people’s lives once their properties have been soiled in that way; if it has happened once, it can happen again, unless something is done about it. That is basically where we are now. Once these things have happened—the flooding happened on a wide scale, as you know, Mr Deputy Speaker—we must see what action needs to be taken.
The Environment Agency is talking about spending £2.3 billion over the next six years on a lot of the major works that need to be done, but who knows whether that money will be sufficient? We are talking about spending £3.5 billion on this place, so I suppose that puts it into a bit of context. We need to ensure that the right sort of money is put in place to help to alleviate the problem.
Companies such as Network Rail are doing a great deal of work in Whalley. It is working on the aqueduct because of the water that flowed from it. It is spending a lot of money in an area that was badly flooded—I saw it for myself the other day—so I pay tribute to it for that work. Companies such as AXA Insurance are spending a lot of money on resilience measures, because they have worked out that it is in their interests. It means that when people sadly do get flooded, the costs will be much smaller.
People can take a lot of sensible measures if they have the wherewithal to do so. I remember going into one house in Ribchester that had been flooded a bit before. I walked on the lady’s sodden carpet, and she said, “Last time this happened, Nigel, I asked the insurance company whether we could have flagging instead of carpet, but they said, ‘Oh no, like for like, madam’.” The insurers would not move, but they moved this time. They have now got the message.
Hopefully it will never flood again, but if it does, the flagging means that at least something can be done about it more easily.
I know that other Members want to contribute, so I shall go quickly through the things that ought to be done for future resilience. The Environment Agency is looking at proposals for Whalley, and particularly at what action can be taken regarding the Calder. I am told that the study will take about six months, and that the agency will then put in a bid to the Government, perhaps towards autumn 2017. I hope it can bring forward that report as quickly as possible, because of the mental torture that my hon. Friend the Member for Witney (Robert Courts) mentioned. As long as people cannot see anything substantial being done, they think it can happen again, and of course it can, so I hope that the Environment Agency will look into that and other matters to see what can be done. It will be working closely with the local flood action group—Andrew Ronnan and his friends—along with the lead flood authority and local authorities.
As well as the problems associated with the River Calder, there are problems with surface water after heavy rain. A week before 26 December 2015, Whalley had been damaged because of blocked culverts, and there has been water running through since. It should not be beyond the wit of the local authority to look at those culverts and make absolutely certain that they are not blocked. There are now sensors that can enable it to do that. Lancashire County Council should pull its finger out, have a look at the areas that are prone to flooding and get it sorted.
The drains are also a problem. Kellie from the hairdressers was out cleaning the drains herself, post-26 December. More floods were expected, and she saw that some of the drains were blocked. There are simple things that can be done, and I hope that they will be done.
As for planning, local authorities ought to be able to say quite simply that there should be no housing on a flood plain. That should be sufficient. When companies go to appeal, as they do, and use their expensive lawyers to dance rings around local authorities that are rather strapped for cash, it should be sufficient for the local authorities to say, “No, it is a flood plain”. Even with attenuation, if houses are built on a flood plain, huge amounts of water may still be retained by the fields, as in the example I referred to. Builders must take responsibility for complying with conditions that are imposed on them.
I pay tribute to the Woodland Trust, which is planting trees all over the place. We do not pay enough regard to the usefulness of trees, particularly in preventing soil erosion, which can easily happen. The trust has planted thousands of trees in our area, and we must do more of that.
Insurance resilience measures must come in as well. The early payment of insurance money is important to people so that they can get on with the job. We must also look at this matter of having to get three quotes. Some insurance companies insist on it, but they are lucky to get one quote. Our area was blighted by flooding on Boxing day; it is not hard to imagine how difficult it was to get even one quote. Some companies are just not interested in providing a quote, so different measures must be put in place to cover reasonable costs, so that people can just get on with the job.
One person came to see me last week, one year on from the flooding. He had put in a £110,000 claim—it was part business, part hereditament. He had used a broker, which had insured with one company. The company then part-insured with another company, which went bust. The man received £35,000 of his claim. He was going to get another £20,000 before the other company went bust. He does not know when he will get paid, even under the financial compensation rules, which, when they kick in, pay out 90%. I have to say: 90% of what? Things must be made easier. When a person goes to an insurance company, the responsibility must lie there. They should not have to chase around the houses, worried witless that they will not get the proper compensation that they need. They will already lose some of it, simply because of this offsetting of the bet, as I call it—or the offsetting of the risk. The person paying the premium, which in this case is just under £5,000 a year, should not have to suffer.
The emergency services learned a lot that day, as they had to institute a one-way system. Such best practice needs to be spread around the country, because what has happened in the Ribble valley will, sadly, happen in other areas in the future. Spreading best practice can be done. Whalley and Billington Flood Action Group has done its own resilience programme, telling people of the simple things that they can do, including providing phone numbers that they can use, when flooding happens. Those sorts of things are absolutely superb, and I do hope that local authorities can learn from one another about the actions that they need to take, including providing advice to people now. We are in the winter now, and, sadly, some villages may well get flooded between now and summer.