English: Minister, I'm going to concentrate mainly on the disasters that hit Rhondda Cynon Taf, because of the focus and concentration of the deluge, but can I first of all thank you for coming to my constituency? Can I also thank the First Minister for coming and visiting in the immediate aftermath? Can I thank Jeremy Corbyn? Can I thank Adam Price, and the Prince of Wales, who also came to visit? Because those visits are important, because they are an act of solidarity with hard-hit communities. They also uplift morale, and they show that we care and that we are listening. So, I thank all those who actually came to visit - and how well received they were by persons who were cleaning out their houses at the very time that those visits took place - and also reiterate again my thanks to not only the public sector and emergency workers, but the volunteers, many of whom are still, at this very moment, working away, helping within their communities. And a particular thanks to the leader of Rhondda Cynon Taf council, Andrew Morgan, because I think it's been almost universally accepted that the response from RCT almost immediately has been exemplary and has been outstanding and it has been an honour to work with him and his colleagues and with all those public sector workers in Rhondda Cynon Taf. If I can make a comment also in terms of the scale of the damage, that, as is obvious to so many people, it is those - some of the communities in my constituency, it is some of those who had the least who have lost everything. And how important the grants, the contributions that have been made, the donations that have been made to a fund that myself and the MP Alex Davies-Jones made, which, within a matter of days, had achieved in the region of £30,000, and all the other funds that have been set up to do that. I spoke with the council leader this morning about the actual scale of the damage - it's important to get this on the record - in Rhondda Cynon Taf. There are nine bridges closed - severe damage to those bridges and they may all need replacing. The council have inspected 199 bridges; there are 32 left to inspect. There are dozens and dozens of collapsed river walls and collapsed, damaged culverts, all of which have to be dealt with. There has been the inspection of 43 category C and D coal tips. There is a considerable list being drawn up in respect of the work needed on highway inspections and highway repairs. We have in Rhondda Cynon Taf 557 flooded homes - 25 per cent of the UK total. We have 500 flood-damaged business properties, and the businesses damaged alone in one area of Treforest, where something like 90 per cent of the businesses were affected, is potentially estimated at around £100 million to £150 million. So, the guesstimate from the council - and it can only be a guesstimate at this stage - is in the region of £30 million to £40 million of damage, but I suspect it is going to be considerably more once those inspections are actually completed, and I know the council leader wanted to put on record the thanks for the support. He has had vehicles and equipment from other local authorities around Wales, and it is that community spirit across Wales that is something that I think, as a country and as a community, we can be so proud of. Can I just say one thing also, then, in respect of the money that is actually needed? We are not asking for some extra devolution handout. We are part of the United Kingdom, we pay into the United Kingdom. The Prime Minister is the Minister of the union, and it is incumbent on any union to actually help those areas when disaster hits. What is being asked for is no more than any part of the United Kingdom - Wales, England, Scotland or Northern Ireland - could ask for and, in the past, have actually received. Can I ask for one particular thing that I think does need to be done, and that is, firstly, to assure everybody that Pontypridd is open for business? Because those businesses are up and running, despite some of the damage they still have, and that has been a remarkable effort. Can I thank the Secretary of State for Wales in respect of the fast action in respect of the derogation in respect of the Department of Social Security? And can I then ask one further thing, and that is: we need to specifically look at specialist advice being given to our communities in respect of the issue of insurance. There are many who have insurance, there are all sorts of games that are being played by the insurance industry - 'Is it flood damage? Is it storm damage?' or whatever. The fact of the matter is, I think this is a matter where the Association of British Insurers really need to rein in and take control of the situation, engage with Government and local government, and ensure, firstly, that those people who have insurance are properly compensated under their insurance policies. And then I reiterate everything that the First Minister has said, that is we need to look at the existing arrangements that may be available in terms of insurance and, possibly, how we may even devise and enhance a specific Welsh arrangement, to ensure that our people do not suffer. Thank you, Minister.
Welsh: Gweinidog, rwy'n mynd i ganolbwyntio'n bennaf ar y trychinebau a darodd Rhondda Cynon Taf, oherwydd bod y dilyw yno mor ddrwg a sylweddol, ond a gaf i yn gyntaf oll ddiolch i chi am ddod i'm hetholaeth? A gaf i hefyd ddiolch i'r Prif Weinidog am ddod i ymweld yn syth wedyn? A gaf i ddiolch i Jeremy Corbyn? A gaf i ddiolch i Adam Price, a Thywysog Cymru, a ddaeth i ymweld hefyd? Oherwydd mae'r ymweliadau hynny'n bwysig, am eu bod yn weithred o undod â chymunedau sydd wedi'u taro'n galed. Maen nhw hefyd yn codi ysbryd, ac yn dangos ein bod yn poeni a'n bod yn gwrando. Felly, diolchaf i bawb a ddaeth i ymweld - ac am y croeso a roddwyd iddyn nhw gan bobl a oedd yn glanhau eu tai ar yr union adeg y cynhaliwyd yr ymweliadau hynny - a hoffwn hefyd ddiolch eto nid yn unig i'r sector cyhoeddus a gweithwyr y gwasanaethau brys, ond i'r gwirfoddolwyr, y mae llawer ohonynt yn dal i fod, ar hyn o bryd, yn gweithio, yn helpu yn eu cymunedau. A diolch yn arbennig i arweinydd Cyngor Rhondda Cynon Taf, Andrew Morgan, oherwydd credaf y bu bron i bawb dderbyn y bu'r ymateb gan Rondda Cynon Taf o'r dechrau'n deg bron yn rhagorol ac yn wych ac mae wedi bod yn anrhydedd gweithio gydag ef a'i gydweithwyr a chyda'r holl weithwyr sector cyhoeddus hynny yn Rhondda Cynon Taf. Os caf i wneud sylw hefyd o ran maint y difrod, sef, fel sy'n amlwg i gynifer o bobl, y rheini - rhai o'r cymunedau yn fy etholaeth i, rhai o'r rhai hynny a oedd â'r lleiaf sydd wedi colli popeth. A pha mor bwysig yw'r grantiau, y cyfraniadau a wnaed, y rhoddion a wnaed i gronfa a sefydlwyd gennyf i a'r AS Alex Davies-Jones a, a oedd, o fewn ychydig ddyddiau, wedi codi tua £30,000, a'r holl gronfeydd eraill a sefydlwyd i wneud hynny. Siaradais ag arweinydd y cyngor y bore yma am union faint y difrod - mae'n bwysig cofnodi hyn - yn Rhondda Cynon Taf. Mae naw pont wedi'u cau - mae difrod difrifol i'r pontydd hynny ac efallai fod angen eu hadnewyddu i gyd. Mae'r Cyngor wedi arolygu 199 o bontydd; mae 32 ar ôl i'w harchwilio. Mae dwsinau a dwsinau o furiau afonydd wedi dymchwel a cheuffosydd wedi dymchwel, wedi'u difrodi, ac mae'n rhaid ymdrin â phob un ohonynt. Archwiliwyd 43 o domenni glo categori C a D. Mae rhestr sylweddol yn cael ei llunio ynglŷn â'r gwaith sydd angen ei wneud o ran archwilio priffyrdd ac atgyweirio priffyrdd. Mae gennym ni 557 o gartrefi sydd wedi dioddef llifogydd yn Rhondda Cynon Taf - 25 y cant o gyfanswm y DU. Mae gennym ni 500 o eiddo busnes a ddifrodwyd gan lifogydd, ac mae amcangyfrif bod y difrod a wnaed i fusnesau mewn dim ond un ardal o Drefforest, lle mae'n bosibl yr effeithiwyd ar tua 90 y cant o'r busnesau, oddeutu £100 miliwn i £150 miliwn. Felly, mae'r dyfalbris a gafwyd gan y cyngor - a dim ond dyfalbris y gall e fod ar y cam hwn - tua £30 miliwn i £40 miliwn o ddifrod, ond tybiaf y bydd yn fwy o lawer unwaith y caiff yr arolygiadau hynny eu cwblhau, ac rwy'n gwybod bod arweinydd y Cyngor eisiau diolch ar goedd am y gefnogaeth. Mae wedi cael cerbydau ac offer gan awdurdodau lleol eraill o gwmpas Cymru, ac mae'r ysbryd cymunedol hwnnw ledled Cymru yn rhywbeth rwy'n credu, fel gwlad ac fel cymuned, y gallwn fod mor falch ohono. A gaf i ddweud un peth hefyd, o ran yr arian sydd ei angen mewn gwirionedd? Nid ydym yn gofyn am arian datganoli ychwanegol. Rydym yn rhan o'r Deyrnas Unedig, rydym yn cyfrannu'n ariannol at y Deyrnas Unedig. Mae Prif Weinidog Prydain yn Weinidog yr Undeb, ac mae'n ddyletswydd ar unrhyw undeb i helpu'r ardaloedd hynny pan fydd trychineb yn taro. Nid yw'r hyn y gofynnir amdano'n ddim mwy nag y gallai unrhyw ran o'r Deyrnas Unedig - Cymru, Lloegr, yr Alban neu Ogledd Iwerddon - ofyn amdano ac, yn y gorffennol, maen nhw wedi ei gael mewn gwirionedd. A gaf i ofyn am un peth arbennig y credaf y mae angen ei wneud, sef, yn gyntaf, sicrhau pawb bod Pontypridd ar agor ar gyfer busnes? Oherwydd mae'r busnesau hynny ar agor, er gwaethaf rhywfaint o'r difrod sydd ganddynt o hyd, ac mae hynny wedi bod yn ymdrech ryfeddol. A gaf i ddiolch i Ysgrifennydd Gwladol Cymru o ran y gweithredu cyflym ynglŷn â'r rhanddirymiad mewn cysylltiad â'r Adran Nawdd Cymdeithasol? Ac a gaf i wedyn ofyn un peth arall, sef: mae angen i ni edrych yn benodol ar gyngor arbenigol a roddir i'n cymunedau mewn cysylltiad â mater yswiriant. Mae gan lawer o bobl yswiriant, mae'r diwydiant yswiriant yn chwarae pob math o gemau - 'ai difrod llifogydd ydyw? Ai difrod stormydd?' neu beth bynnag. Y gwir amdani yw, rwy'n credu bod hwn yn fater lle mae gwir angen i Gymdeithas Yswirwyr Prydain dynnu'r ffrwyn a chymryd rheolaeth dros y sefyllfa, trafod â'r Llywodraeth a llywodraeth leol, a sicrhau, yn gyntaf, bod y bobl hynny sydd ag yswiriant yn cael eu digolledu'n briodol o dan eu polisïau yswiriant. Ac yna ailadroddaf bopeth a ddywedodd y Prif Weinidog, sef bod angen inni edrych ar y trefniadau presennol a allai fod ar gael o ran yswiriant ac, o bosib, sut y gallwn ni hyd yn oed ddyfeisio a gwella trefniant penodol ar gyfer Cymru, er mwyn sicrhau nad yw ein pobl yn dioddef. Diolch yn fawr, Gweinidog.