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As someone who has recently been navigating retrofitting and insulating all with the aim of eventually installing an ASHP I can attest to the number of cowboys out there. I think there is a huge lack of impartial advice to help people find the right installers, service providers or to even prioritise how to make meaningful changes in their home - and this is defo fuelled by the grant schemes. I've even found retrofitting advisors who are pretty clueless in advising on reputable firms.
Feel fortunate to be able to navigate it all but it really is awful out there if you're not in a position too.
The way government schemes have operated on these things the last decade from external insulation, to cavity filling to solar has been criminal and just fuelled cowboy firms that pop up fueled by a grant to then vanish and move on to the next scheme as a new firm