The case of Claire Kelly, a Liverpool mother sleeping on the floor of temporary accommodation with her seven-month-old baby because Liverpool City Council has, she claims, failed to provide a home suitable for her two disabled children, is a distressing human story. But it is also a symptom of a much larger structural failure in the UK housing market: the chronic undersupply of accessible and adapted homes, and the mounting cost and human toll of local authorities' reliance on temporary accommodation. For property investors, developers and policymakers, this is not a peripheral issue confined to social services — it is a market failure with direct implications for how capital should be allocated across the housing sector over the next decade.