My Lords, in response to the Oral Question that I asked, in relation to the flood recovery fund for local businesses and households, the Minister said that responsibility for the first 25 houses and an unspecified number of local businesses falls on the local authority. However, will the Government have another look at that? I understand that this new rule has only just come in, but local authorities really cannot be expected to budget for something that has just happened. Furthermore, who is responsible if, as a result of the recent storms and downpours, flooding comes from an active building site because of disturbance to the land? I remind the House that I am a local councillor in Lancashire and I refer to a site in the ward that I represent. Persimmon is developing a site on a steep hillside there and some pre-existing properties, as well as some of the new properties that are occupied on the site, have been flooded. Persimmon is telling the occupiers of those properties that the damage is not its responsibility because it is an act of God. Whose responsibility is it?