Jacob has a detached garage that he uses as a shop in the winter Jacob has a

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Jacob has a detached garage that he uses as a shop in the winter Jacob has a large woodstove that he uses to provide heat while he is working in the shop one Saturday Jacob fired up the woodstove and left the shop to heat up after he left the fuel pipe for the stove they went through the side of the garage for the stove exhaust got overheated and caught this side of the garage on fire before the volunteer fire department get there the garage was mostly gone and was declared a complete loss by the insurance adjuster while Jacob has a homeowners 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