Stonewalled on flood defences

When the UK was hit by floods in the spring of last year, the breakfast television news was inundated with e-mails on the issue.

One that stuck in my mind had been sent by a viewer who believed that the insurance industry should fund the cost of flood defences, as it was in their financial interests to do so.

At the time, this raised an eyebrow and nothing more; but it suddenly came back to me at a press conference to launch some fundamental and much-needed changes to the way in which the

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