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 - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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