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 - Engine Valves - Some Helpful Information - by Staff. Intake - On the intake stroke the piston moves doward, sucking in carburized fuel through the open intake valve. Exhaust valve is closed. Compression - With both the intake and exhaust valves closed, the pistons upward stroke compresses or squeezes the fuel into the combustion chamber. Firing - Ignited by the spark, the compressed fuel explodes and forces the piston downward on its power stroke. Intake and exhaust valves are closed. Exhaust valves and seats are exp
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