My second floor bathroom fan caught on fire recently.As the fan spun it shot flame on the attic insulation and wood. These materials smoldered and burned. Eventually the fire burned thru the sprinkler pipe etc!! When the electrical fire met with water that should have made the breaker trip (it did not). My question is how often should breakers be exercised so that they disconnect properly?
I pretend to be an electrical engineer, not electrician, and disagree with several "facts" you were given.
I seriously doubt that "it shot flame"; that suggests someone watched it do so; why did they not turn it off.
I do agree that there was smoldering and burning, most likely because the fan was not kept clean and lubricated, stalled, and overheated. How often should the fan be inspected and cleaned? I believe that modern fans have an over-temperature sensor as in hairdryers that interrupted current; if so, why did it not do its job? How often was it inspected? Or is this so old that those switches were not present? Or is it not even equipped with one? If not, why? Was someone too economical to select a unit so equipped?
The electricity meeting water would almost 100% NOT draw enough current to trip even a GFCI ... soapy water in a tub, yes, but clear water from a pipe ... nah. And periodically exercising a GFCI breaker or outlet doesn't help it do its job, just confirms that it is working. I'd go so far as to doubt a line-to-line short occurred, rather that the dirty clogged dry bearing fan overheated. Only the temperature switch had any opportunity, IN MY OPINION, to prevent or minimize damage.
This is just my opinion ...