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If wiring in a relatively modern home is damaged due to sudden events like a fire, a tree falling into the house, or a flood, then homeowners insurance is very likely to cover the cost of replacing the wire.

However, if it’s determined that wiring failed or started the fire because of age, neglect, or not meeting current electrical standards, then insurance won’t be covering any replacement. Also, insurance policies may charge more for particularly old kinds of wiring like aluminum wiring or deny applications altogether. 

Aluminum wiring can pose a fire risk as it can overheat, expand, and contract, leading to failing splices and loose connections. If your home has aluminum wiring, it requires careful maintenance and potential safety upgrades. The first step is to hire a licensed electrician to conduct a thorough inspection.

A complete replacement with copper wire is the safest option but can be very expensive and is not always necessary. Other safety measures and upgrades include:

• Copper Pigtailing: A more budget-friendly option where a short section of copper wire is added to each end of the aluminum wire. This is only appropriate for certain homes.

• Aluminum-Compatible Outlets: Installing outlets specifically designed for use with aluminum wiring.

• Anti-Oxidant Paste: Applying this paste to connections to prevent oxidation.

Consulting with a qualified electrician is essential to assess the condition of your wiring and determine the most appropriate updates to meet current safety standards.

GFCI outlets generally need to be replaced every 7 to 15 years, though some may fail in as little as 5 years, depending on usage. It is important to test them regularly. Signs that a GFCI outlet is failing or has reached the end of its lifespan include: no power coming from the outlet, the outlet not resetting when the 'reset' button is pressed, or the outlet not tripping when the 'test' button is pressed. If you notice any of these issues, it is time to replace the outlet, and it's best to contact an electrician to do so.

It’s possible to distinguish a positive black wire from a negative black wire if you know what type of circuit the wires are in. If it’s an alternating current (AC), then black wires are positive. If it’s a direct current (DC), then black wires are negative. 

Sometimes, a circuit has two black wires. In that case, the positive black wire will be solid black while the negative black wire will have a white stripe on it. If you’re still unsure, you can use a multimeter to check.