EVERY MORNING, TheJournal.ie brings you the stories you need to know as you start your day.

1. #INSURANCE: The country’s financial services watchdog has said he is concerned about a practice by insurance companies of cancelling policies because of minor non-disclosures by the customer.

2. #WATER CHARGES: Minister for Housing, Planning and Local Government Eoghan Murphy will bring a memo to Cabinet this morning to refund almost a million people who paid their water charges.

3. #HOMELESS: The Home Sweet Home group has cancelled a vigil in memory of rough sleeper Stephen Watson who died in Dublin last week after it emerged that he had been deported from Australia after a number of sexual crimes.

4. #MEDICAL CANNABIS: Health Minister Simon Harris has defended his stance that it is not the Minister for Health’s role to determine what medicines should be permitted for use in Ireland.

5. #RESTRICTIONS: The UK intends to impose limits on low-skilled EU workers and restrict the arrival of Europeans’ family members after Brexit, according to a leaked document posted on the Guardian newspaper’s website late last night.

6. #HURRICANE IRMA: The most powerful Atlantic Ocean hurricane in recorded history bore down on the islands of the northeast Caribbean last night.

7. #LIVERPOOL: Five men are set to appear in court today in connection with the Hillsborough disaster, in which 96 Liverpool fans died.

8. #JUST THE ONE: Only one small bag is to be permitted on board Ryanair flights from November as the airline says the second free bag policy is causing “boarding and flight delays”.

9. #SAY MY NAME: Met Éireann and the UK Met Office will announce later today the names of our upcoming storms for the coming year.