Flats: Fire Prevention
The question
To ask the Secretary of State for Housing, Communities and Local Government, whether she has had recent discussions with (a) mortgage lenders and (b) insurers on their approach to (i) mortgages and (ii) building insurance policies relating to buildings that hold an EWS1 certificate issued by (A) Tri Fire and (B) Adam Kiziak.
Answered by Alex Norris
EWS1s are not a legal or regulatory requirement. They are a mortgage valuation tool and the use of EWS1s is a commercial decision by industry.
The Department engages regularly with the mortgage lending and insurance industries. Officials are working closely with industry representatives to ensure they take a proportional approach to buildings with an EWS1 issued by Adam Kiziak and Tri Fire. Where a mortgage lender will not accept one of these EWS1s, we would expect them to consider alternative evidence.
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