Firefighters now say they know what caused that massive fire at the Annapolis Yacht Club last week. Derek Valcourt explains the blaze is being blamed on a common holiday hazard. Yet another fire caused by an electrical malfunction with an artifical pre-lit Christmas tree. It took firefighters hours to get the flames at the Annapolis Yacht Club under control. Though no one was seriously injured, damage estimates exceed $9 million. “We know the fire was electrical in origin,” said Annapolis Fire Department Chief John Bowes.