The baffle on my one year old SBI insert has developed a crack right down the middle (north-south). Looks like it is covered for two years under the manufacturers warranty. It is vermiculite, and is $55 to replace (plus whatever shipping). It was not damaged by banging up against it. I wonder what are the chances I'll get a new one without having to buy it? I am disappointed, this weekend was the one year anniversary of the install, I know that eventually they need to be replaced, but wasn't expecting it so soon. I also wonder what caused it, if I can avoid having it happen again. Almost positive the baffle is identical in the Drolet 1800, Century CW 2900 inserts. Anyone have a similar experience with their SBI baffle cracking? I'll e-mail them on Monday and report back on my experience.