Randy A writes:

If you are worried about a fire, call/hire an electrician. Remember
insurance won't pay if faulty wiring is found to be the cause.

Not necessarily true. State Farm paid off on my fire last year even though the
odds were about even between faulty wiring and a sump pump motor wiring fault.
Further checking could probably have identified the exact source, but the fire
inspector stated the sump pump, with no specifics, was at fault, so they paid.
If you have an insurance company that tries to weasel every claim, you're in
bad shape to begin with because there is always an "it" that isn't dotted and a
"t" that isn't crossed. Time to change companies.

Charlie Self
"It is not strange... to mistake change for progress." Millard Fillmore