The reason is mainly based on a bad connection, overload and bad size cable design. One more reason is that over load runs but MCB trip current is much larger than max Load current. So MCB don't trip. Then, the wire which can withstand lower current than MCB burn first. After that, fire conducts from wire to MCB. In addition to this, overload or short circuit faults, but it seems that protective devices couldn't respond on time. Overload as a result of poor dimension of the panel before installation. Generally, There are two possible reasons for this: overload and may be short circuit!