Jacob has a detached garage that he uses as a shop. In the winter Jacob has a large wood stove that he uses to provide heat while he is working in the shop. One Saturday, Jacob fired up the wood stove and left the shop to heat up. After he left, the flue pipe for the stove that went through the side of the garage for the stove’s exhaust got overheated and caught the side of the garage on fire. Before the volunteer fire department could get there, the garage was mostly gone and was declared a complete loss by the insurance adjuster. While Jacob has a homeowner’s policy, which section of his coverage will cover the loss of the garage? Will he be provided funds for loss of use while the shop is being rebuilt? Why or why not?
