Boy, sad to see that esp. on such a new tractor! Now, heres some thoughts. Oil, even hot is hard to catch on fire unless there is fire! Fuel is hard to ignite without spark in raw form. It is the fumes more, and again with spark. Mufflers if good, being only 2 years old, should still be good dont create a ton of heat. Now, if there is a hot wire thats shorting, it alone wont do that either. But it will cause the engine and muffler/exhaust to run much hotter! Then if there is a fuel leak cause by a quickly deteriorating fuel line(from the heat) that allows the gas to leak out and the arc from the shorted out wire would start a fire. So ultimately, there probably is no one thing that caused it! If the wire got shorted out, it could be considered a factory issue. However they could very easily still say poor maintenance. You should have checked those! LOL. Inferior parts is what caused it in any sense! Also as much as you hate hearing it, home owners insurance if you have it is the only good way to replace this machine! Not a satisfying answere at all. But thats beurocracy at its finest. If you do not have home owners insurance, Then I really do pitty you! I can say, my 805 I bought used in good running condition. They had a car battery in it. Well after using it for a couple of weeks, it stopped running. Would not start back up. I figured a bad wire and I jumped the starter selenoid and it ran and I rode it back to my truck to see what was wrong with it as the PTO did not work to run the mower. Well, come to find out when I got it home, the car battery had been sitting on top of a red wire and broke through the insulation and it melted the wire and the adjacent wire. No fires. Even ran when I jumped the starter selenoid! So that does say something about the wireing by itself! I wish you the best of luck on replacing it and may you have a better experiance the next time. I would not suggest buying a newer MTD machine!
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