I don't think that this is so simple as you paid a professional to do a job at your place and he experienced an equipment failure. First of all, you have a hidden hazard that you knew about but he didn't, second, unless you quit going to church you're going to have to see this guy again and again. I don't mean to badmouth your wife, I doubt that there is anything but concern in her advice, but being sketchy only breeds animosity.
I believe that if you man up and approach the guy with what you've heard that you'll probably be able to come to some workable solution with him, that you'll feel better about a situation which obviously has you concerned, your reputation will get a lift, and God will look favorably upon your manner of dealing with a church brother.
It may very well be that the guy would accept the damage as the potential cost of doing business but would like to know that you aren't a schmuck who is only concerned with himself. I'm not suggesting that you be a pushover, just a brother to the guy. If he comes back with some outrageous demands then you know that he has unfairly redefined the event and then you are much more free to deal accordingly.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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