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Even that doesn't scare from the going to jail, We were at a job recently. Older woman got one of the free boilers in, could smell gas after like a week or 2 in and called transco. Came out stuck a gauge on it, dropping and capped it.
Company that done the job said "we've took loads of photos and it wasn't us as we only worked above the floor" Sadly that does cut it from the way gas safe label it. min you cut into it your liable.
She ended up calling us, turned out a fitting hadn't been soldered pre them and then with them altering the gas pipe above the floor disturbed it but even then they didnt give a fuck.
No point in even reporting it as they are all pure cowboys these companies, showing by there lack of fucks given to the gas leak left.
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There was one with electrics not so long ago. New build, installation signed off but a cable had a screw driven into it in the airing cupboard. Someone died and the electricians were successfully prosecuted, someone went to jail. They were employed by a larger company but if your name's on the sheet you're liable.
It's understandable different jobs have different rewards. Most of the flooring guys won't expect to be in someones house for 3 months. I understand not everyone is working for themselves and keeping as much of the money as I do. My rate has all this problem fixing built in.
With plumbing/electrics there are different concerns and a big fuck up might get you jail time or cause a lot of financial damage. Everyone in those trades is going to have insurance. But if you put your foot through someones ceiling you either call a favour from a plasterer or fix it yourself right?