Usually. The fire damage may be covered even when the faulty appliance or worn electrical component that caused it is not.

What warning signs should you act on?

• Hot or scorched sockets.
• Repeated circuit tripping.
• Damaged flexes or plugs.
• Burning smells from electrical equipment.

Dealing with electrical warning signs

• Do not overload extension leads.
• Replace damaged plugs and cables.
• Have repeated tripping investigated.
• Use a competent electrician for fixed-wiring faults.

The fire damage and the faulty item are different

The policy may pay for damage caused by the fire without paying to replace the faulty item that started it.