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@chrisbmx116
Oh I think they are very risk averse... but I did try and reassure them by sharing as much as humanly possible. The cheaper option would still have given them as much security legally, but would cost me less (which is where the frustration comes from).
Sounds like your previous place was a nightmare! Hopefully I don't run into any problems like that (although if my builders do cause damage I'll have no problem accepting paying for that - or their insurance may?).
People see things differently I guess, who knew ey?