I welcome the Minister of State. While I welcome any debate which highlights the pressing issues of insurance costs and accessibility, we must move beyond words and deliver tangible solutions for our citizens. This motion, like many before it, rightly identifies the challenges but the question remains: does this Government's action match the urgency of the problem? I want to focus on two critical areas where the current system is failing: the existential threat facing homeowners of our unique thatched homes, and th…