Yep. Stereo bursts into flames, insco adjuster sifts through the rubble, finds that the fuse in the stereo isn’t UL rated, denies the claim.

Real or urban legend, dunno, as I don’t have firsthand knowledge of it, but some adjusters can be pretty hard-ass.

Yeah, I wouldn’t wanna hacque up a heater (notorious enough for causing fires), let alone give someone a legit reason to DQ a claim.