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Thanks for your question. In order to hold you responsible, they would have to prove that you were negligent in the installation and that your negligence caused the fire. So questions such as how long ago the installation was done, was it altered or tampered with in any way, was it damaged, was there a faulty component that no one including you knew about are all relevant. The insurance company will usually put in a foresnsic investigator specialised in establishing the cause of a fire. As you are not insured this could be very difficult for you if they find that you were in some way to blame. The fact that you had no written contract will not help you. No written contract is needed. You perhaps want to instruct your own expert to carry out investigations on your behalf given the importance of this to you. I had a similar situation where a house burnt down and my client electrician was accused of negligence. He put in his own expert and it transpired that the component was faulty and that is something that no one would have known about and the manufacturer was ultimately found liable and not my client. I hope that helps. Please leave a positive rating so that I am credited for my time.
You can’t be sent to prison for this but if it found to be your fault then they can pursue you for the cost of the damages. That is why I suggest you instruct your own expert immediately so that the insurer can’t just make assumptions and lay the blame on you.