My electrician has installed LED downlighters in my ceiling throughout my bungalow and the bases stick up into the loft. I am going to insulate the loft and know that I can get various guards to keep insulation material off them. My question is twofold is it OK to floor over them with chipboard panels and what should i do about the ones that have been installed near the timber roof trusses ? Do i need some sort of heat shield between the light and the wood ?