I have been topping up the insulation in our roof. We had major renovations about 3 years ago, and so when topping up the insulation I have found that electrical cables are covered with insulation as are LED downlights.
My understanding was that doing this posed a fire hazard, and so you should always leave clearance around lights (unless they are specifically rated for it) and also around electrical cables. Is this just a theoretical risk, or is there another reason why we haven't had a house fire?