CIGA is a limited-by-guarantee company and has issued some six million guarantees. It robustly denies there is a major RCWI problem and has a £19 million repair contingency fund which, it claims, exists to protect consumers who are its number one priority. But in EVERY case when Streetwise contacted CIGA on behalf of readers whose homes had been riddled with damp problems following cavity insulation, they first sent in their own surveyor. Without exception, the CIGA inspection report concluded it could not possibly have been a result of the insulation. Instead, they were told that pre-existing building defects must be to blame or the dampness was caused by “lifestyle condensation” even though all the residents had lived in their properties for many years with no previous condensation problems. The Aulds’ complaint was firmly rebuffed along these lines. The CIGA report claimed their problem was down to no central heating or extractor fans in the bathroom and kitchen, and potential areas of water ingress in the external brickwork.