We decided to get a large built-in wardrobe for the spare room and we worked out that we could pay for a hand-made purpose-built piece. We found a local craftsman and agreed to pay half up front so that he could buy the materials we had specified. We didn't hear from him as expected within 3 weeks and at the end of the 4th week we called him. A lady answered and when Dany asked for the carpenter by name she told him that her husband had died suddenly from a heart attack 10 days earlier. He was only 42. She asked if there was any work outstanding and we explained that the work hadn't started but 800€ (about 890$) had been paid. She said that she would let the accountant know and things would be sorted out. We heard nothing. Eventually, we called again, left messages, sent registered letters. It was difficult to proceed because a young man had died leaving his wife and 2 young children. But we can't afford to lose 800 euros We then realized than we have an insurance policy that might cover such "out of the blue" events. The insurance agency said that it does and they are now handling the matter. This is a relief as you can imagine.