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A chip shop owner whose flood-plagued business has been left uninsurable says he may be forced to close down.

My answer is that I am not one of those who believes California is facing an uninsurable future.

Earlier this week, the government launched its Farm Recovery Fund, offering grants of between £500 and £25,000 to farmers in some parts of England who have suffered uninsurable flooding damage to their land.

However, the risk made him uninsurable, according to Mr Hayes, who was the last person to speak to him before his death.

More than 135 million Americans with preexisting conditions would be in this fix, with more than 54 million possibly becoming uninsurable at any price.