TheHusbandHalf and I were frugal when we married, and his Grandmother gave us a stove and refrigerator that were 30 years old. We used them, until the day I actually saw the refrigerator get hit by lightning, about 10 years. I called the insurance company and they told me I had to have a refrigerator guy come out, verifying it got hit by lightening, and then I could get a replacement, the same size. I asked, "Any brand?" Yep, just not bigger.
So a guy came out, he said "Honey, if you saw it get hit by lightening, then it got hit by lightning."
We got a Sub Zero.