Undoubtedly many in the group have had different experiences. Here is mine. I bought a 2006 Dyna Lowrider in 2008. It had a transferable extended warranty which I completed the necessary transfer paperwork for. I added a SuperTrapp 2-1 exhaust, Dobeck fuel controller, and high capacity air cleaner all installed by me. In 2010 I went to an independent service shop for cams, head work, bored to 95 CI, higher compression pistons, etc. When they tore the engine down the found the crank was out of spec. They contacted the insurance carrier, who sent an adjuster to the shop. A week later they had a $2,200 check for the crank. Based on my experience, I am inclined to agree with the comment that the carriers are concerned with the effect of the modifications on the problem that the claim pertains to.