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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. 

You should hire a licensed electrician who is insured to perform any electrical work on your home, including lighting installation. States have different requirements for licensing and certifying electricians, so use Angi’s state licensing tool to review local guidelines.

Here are a few questions to ask electricians before hiring:

• How many years of electrical experience do you have?

• Are you licensed, bonded, and insured?

• Do you work with subcontractors?

• Do you provide a guarantee or warranty on your work?

• What is the timeline for completion?

• How do you handle change orders?

• Can you provide at least three customer references?

If a 3-way switch is wired incorrectly, this can cause several issues. The most common problem is that the switches will not function properly: Either both switches won’t work, or only one will. Another issue is that one switch will trigger a short circuit, tripping the circuit breaker.

While the National Electrical Code (NEC) does not set a strict limit, a common guideline is to have a maximum of eight outlets or receptacles on a 15-amp circuit. This rule of thumb, which equates to about one outlet per 1.5 amps, helps keep the total electrical load safely below 80% of the circuit breaker's capacity. It is important to consider the power demands of any devices or appliances that will be plugged in, as overloading a circuit can lead to tripped breakers or create a fire hazard. To ensure the safety and code compliance of your electrical system, consult with a licensed electrician.