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Electric service panels can be considered the "Heart" of the electrical distribution system in the average house.   For the most part, I see mostly modern service panels that do a good job of protecting homes from fire caused by 1) overcurrent- this is what happens when an electrical malfunction on a branch circuit causes excessive amperage on a circuit. Excessive amperage creates heat in the wires and then you get fire. 2)electrical arcing which causes sparks which then cause fire.