File on 4 Folgen

Felicity Hannah explores how climate change is leaving communities 'uninsurable' because of the rising risk of them being hit by extreme weather events.She speaks to one businessman living in 'Hurricane Alley' in Louisiana, who has seen his premiums rise by $200,000 in just three years, and learns how many residents are now having to run the risk of living without insurance, because the cost is just too high. In Australia, she speaks to residents resigned to the fact that their hometown is considered too much of a risk for the insurance industry. Instead, the government has bought their homes and they have been forced to leave. In the UK too, Felicity meets business owners already deemed 'uninsurable' because of the frequency of flooding they have faced. Meanwhile British homeowners relying on a temporary fix that has helped reduce their premiums must hope flood defences are built before time runs out. Could rising premiums be the canary in the coalmine for taking more decisive action on climate change?Presenter: Felicity Hannah Producer: Nick Holland Production Coordinator: Gemma Ashman Editor Richard Fenton-Smith Sound Design: Graham Puddifoot

File on 4 reveals how hundreds of vulnerable women and children are being trafficked to the UK by organised crime gangs to work as shoplifters. The victims are forced to live in squalor in overcrowded houses in England, Scotland and Northern Ireland. Investigators have discovered there are 154 known members of one gang which is making millions for the gangmasters from Eastern Europe. High street stores have reported a 25 per cent increase in the number of shoplifting incidents over the last year. Reporter: Datshiane Navanayagam Producers: Holly Clemens and Kate West Editor: Carl Johnston

Lucy Letby was allowed to continue working with new-born babies despite her colleagues raising concerns about her for months. Her conviction highlighted how NHS executives put the reputation of the Countess of Chester NHS Trust ahead of patient safety. But what happened in Cheshire was far from a one-off. File on 4 hears from doctors with unblemished medical careers who were sacked after raising patient safety concerns. The programme follows one medic through an Employment Tribunal as he attempts to save his career, and hears the emotional, brutal toll the process takes on him. For the first time, a top doctor who won record damages talks about the extraordinary steps her managers took to undermine her. Their tactics included relocating her to an empty office with a broken chair and telling colleagues that she agreed with their assessment she was incompetent. And a former NHS executive tells the programme that trusts are more interested in “flying LGBT flags” than tackling concerns about patient safety. With widespread calls for NHS managers to be regulated, File on 4 asks who should take on the role, given the willingness of the NHS to redeploy managers found to have ignored patient safety concerns, or even punished those who dared to raise them. Reporter: Michael Buchanan Producer: Katie Langton Editor: Carl Johnston