So do you blame the passengers that die in an airplane because they didn’t check to see if the pilot was intoxicated before they took off?
If they didn't have life insurance before they flew, then I would blame the inability of their survivors to collect life insurance benefits on the flyer.
No matter how much a pilot drinks he can't drink away your insurance premiums or his airline's.
I'm also unaware of any fatal commercial plane crash in which pilot intoxication was given as the cause of the crash.
Your analogy is not correct.
She hired this person personally. He said he knew what he was doing, and had the proper permits. With that, she should have asked for copies of said permits (specific permits are required to transport these homes on public roadways, not just general business permits, and escorts are required). She also should have asked for a reference or two just to ensure "Pancake" was up to the job.