I'm not a plumber - just a very competent DIYer, but listen guys, I CAN make a Speedfit joint. I was doing compressions and 'Yorkshires' thirty years ago!!! I recently refurbished a kitchen for a 'friend'. Just before I finished she turned nasty, forced me out, and paid me nothing. I've successfully sued her - BUT the flat downstairs was flooded five months after I was 'binned'. The emergency plumber said that an elbow on the cold supply to the kitchen tap blew because there was no insert -OK you say -we all have those 'off' days, but he claims that all four inserts were missing from both elbows (to hot and cold)!!! Now I've had a letter from Loss Adjusters who are trying to hold me responsible for the insurance pay out. Here's my question. I was taken on as a 'friend'. She knew I'm not a tradesman, and knew I'm not insured for public liability, so assuming I was high on Evostik that day and DID forget four inserts (ha effin ha)who is ultimately responsible. Needless to say I'm certain there was malicious damage and I'm having that investigated. Ernie.