The short answer
Wear-out motor failure is excluded on every standard US home policy. If the failed fan caused an attic fire, the fire and resulting damage ARE covered under fire peril. Storm damage to the fan housing is covered under wind. Equipment Breakdown endorsement covers motor burnout up to $50K+.
Frequently asked
- Is the replacement fan covered if it caused a fire?
- No — insurers pay for damage, not the failed component itself.
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