Mr Baylis said the cottage had been extended in the 1970s when an exterior chimney became an internal chimney.
A gap between the hearth and the chimney meant heat was able to escape from the firebox into the timber cavity around the chimney.
Over many years the timber had dried out to the point where heat alone was enough to make it ignite through a process called pyrolysis.
The fire could have happened to anyone, Mr Baylis said, but it was a reminder to ensure smoke alarms were working. He also urged anyone unsure about the safety of a fireplace, or if it hadn't been used for a year, to get it professionally checked.
The cottage is still standing but the roof and one end is fire damaged. It is smoke-damaged throughout.
The blaze in a home in Waitangi last month, leaving a retired couple and eight grandchildren homeless, was also caused by pyrolysis.