I will add that the business of insurance is legalized gambling.
You don't get to play for free, and the house has the odds in its favor - otherwise there wouldn't be a house in the first place to gamble with. Profit is necessary to keep it running.
It's easy to gripe about insurance companies, but change shoes for a minute and think of it in reverse.
If you were going to make a living gambling with strangers, and have each of them pay you a thousand bucks a year, unless their houses burn down, in which case you'd give them a few hundred thousand dollars each...
Suddenly something like an old unrated wood stove might make you a little twitchy too.
The reason for UL ratings on stoves has little to do with how well they work - it's about minimizing the likelihood of them burning your house down. It at least proves the stove was tested and deemed safe.
Doesn't mean your old one isn't safe - but it also doesn't mean it is. So - they want one that is.
I feel for anybody having to deal with it, it's a pain and a big expense, but ... I really don't think it's unreasonable to ask.
I just wouldn't be too harsh on the insurance company in this case.
As for the tractors - take your anger out on the lawyers for that one. We need tort reform!
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Today's Featured Article - On the Road with Dave Gohl: Tractors and Farming - by Dave Gohl. I never thought I'd live to see the day, when I could call myself a farmer. What allows me to say this? Well, when our family moved to our 20 acre site near New Prague, Minnesota, I had one thought in mind. You guessed it, farm it somehow. A little history is in order. In my younger days, mom, dad and my brother made frequent visits to dad's youngest brother Pete, who took over the home farm from grandpa MIke. It was the typical set-up, milk cows, pigs & chickens. In the winter, we'd play
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