Samantha Turner, Sheila Munday and Martin Dalling had all put in claims with the insurance giant Zurich.

BBC: Three Carmarthen families win flooding court battle

Mrs Munday's home was flooded in September 2010 and Mr Dalling's home suffered storm damage in March that year.

BBC: Three Carmarthen families win flooding court battle

"So there needs to be partnership between the government, the universities and the individual researchers plus the business and commercial world, " said Mr Dalling.

BBC: Call for university funding watchdog