Should is doing a lot of work there. The reality is most don’t. These are people who don’t understand minimum conductor size trying to DIY a solar system.

Insurance covers the insured's own gross negligence. This is a trope up there with believing the "warranty void if removed" stickers.

The real reason this should give you pause is that you don't want your house to burn down regardless of an insurance payout. That is how your incentives remain aligned with the insurance company.