The answer to this question may depend on the specific insurance policy and its terms and conditions. However, in general, homeowners insurance policies typically cover damages caused by sudden and accidental events, including fire damage. If the damage to the property is a result of a faulty fireplace or chimney, it may be covered by the insurance policy.
It is important to review the policy documents and/or speak directly with the insurance provider to understand the specific coverage and any exclusions. Some policies may have limitations or exclusions for damages caused by lack of maintenance or wear and tear. It is also recommended to properly maintain and inspect fireplaces or chimneys regularly to minimize the risk of accidents and potential damages.
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