The fireplace erupted at a bakery in Spender Park, Albany, on Saturday, October 12, at about 2.10pm.
Firefighters extinguished the blaze however there was vital structural, roofing, and smoke harm to the premises.
The harm price was estimated at $955,000.
Detectives will allege the 50-year-old girl deliberately set the hearth, and that she lodged an insurance coverage declare regarding it a couple of days later.
Her coverage acknowledged she was entitled to $500,000 for contents insurance coverage, and an extra $2.2 million to compensate for misplaced enterprise.
The girl will seem in court docket on December 12.