Regulations vary, and so do insurance companies, so I'll talk about what regs we have where I am. I think this is typical of many jurisdictions in North America.
First, there is a distinction between what a equipment supplier requires to back a Warranty claim for defective materials, and what an insurer requires to validate policy coverage for claims. Your interest is insurance coverage.
In investigating a claim an insurance company will be VERY reluctant to honour a claim if there is ANY possibility that incorrect electrical equipment is involved in the cause. So YOU need to be able to PROVE that the stuff was correct from the beginning. The insurer's investigators will NOT look at that stuff and decide whether or not is was OK. In our jurisdiction, an insurer will accept as proof of good electrical equipment ONLY a Certificate of Approval from a recognized regulatory agency. I'm in Ontario, Canada, and there is only one such agency in this province operated by the provincial government. Normally you go to them BEFORE starting the work (but many do it right after completion) and buy a combination Permit to do the work AND have it Inspected when done. Hopefully the Inspector finds it all good and issues the Certificate. If not, you get a list of deficiencies and must correct those and have it re-inspected until it is approved. That Certificate is the only thing most insurers will accept as proof that the electrical equipment was proper AND installed correctly. Technically you are NOT allowed to apply power to any of that newly-installed equipment until it has been approved.
This last detail may not be the same elsewhere. In Ontario, licensed electrical CONTRACTORS have an option. They may become their own Inspection agency for their own work and Certify the job they have done themselves, on behalf of that provincial authority. Or, they may not do that and simply apply to that authority agency for a Permit and subsequent final Inspection, just the same as any private citizen doing their own job.
I had some work done this past year that included building a detached garage at the back of our property and fed by a buried electrical cable. I had a licensed contractor do two parts of this - upgrading the house main supply cable and panel, and installing the buried cable to the garage. Each of those was covered by a separate Permit and Inspection (they were done at quite different times). Separately I installed the breaker panel and all branch circuit wiring inside the garage under a third Permit and Inspection. So now I have three Certificates of Approval covering all of those new electrical installations.
We do not have any EV's. However, planning that that will happen in future, I designed the system in the garage to be capable of supporting at least one heavy EV charger unit fed from a breaker (to be added) in the garage sub-panel. The main cable feeding the garage from the house panel is rated for 100 A, 120 / 240 VAC. When such a charger is installed, a new Permit and Inspection will be required.
If you did shoddy work, sure! FYI, I installed my own also. The odds it comes to that are low, but you never know with insurance.
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