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 - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let’s make one more addition to our series on hydraulics. I’ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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