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 - Oil Bath Air Filters - by Chris Pratt. Some of us grew up thinking that an air filter was a paper thing that allowed air to pass while trapping dirt particles of a particles of a certain size. What a surprise to open up your first old tractor's air filter case and find a can that appears to be filled with the scrap metal swept from around a machine shop metal lathe. To top that off, you have a cup with oil in it ("why would you want to lubricate your carburetor?"). On closer examination (and some reading in a AC D-14 service manual), I found out that this is a pretty ingenious method of cleaning the air in the tractor's intake tract.
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