As fireworks light up the skies this summer, it’s important to ensure your home and loved ones stay safe during the celebration. While fireworks can bring joy and excitement, they also come with risks—including fire hazards, injuries, and potential insurance claims. Here’s what homeowners need to know to protect their property and minimize liability during fireworks season.
Common Fireworks-Related Insurance Claims
Fireworks can cause a range of issues that may result in homeowners insurance claims. The most common include:
- Fire Damage: Misfired fireworks or stray sparks can ignite roofs, siding, landscaping, fences, and other structures, leading to costly repairs or rebuilds.
- Personal Injury Claims: Guests injured on your property by fireworks may lead to liability claims. Your homeowners policy can help cover medical expenses and legal fees.
- Damage to Neighboring Properties: If your fireworks cause damage to a neighbor’s home—like a broken window or scorched roof—your liability coverage may apply.
- Smoke Damage: Even without flames, fireworks can leave smoke stains or odors inside your home, sometimes requiring professional cleaning.
- Landscaping and Outdoor Damage: Fireworks can burn trees, shrubs, lawns, decks, and patio furniture, especially in dry conditions.
Does Homeowners Insurance Cover Firework Damage?
In most cases, yes—standard homeowners insurance typically covers firework-related incidents, including fire or personal injury caused by accidental use. However, coverage may be denied if:
- Illegal fireworks were used.
- The incident involved gross negligence or violations of local ordinances.
- The damage was intentional.
Always check your policy and speak with your insurance advisor to understand your specific coverage.
Fire Prevention Tips for Homeowners
Whether you’re hosting a fireworks display or live near one, take the following steps to protect your home—especially in high-risk areas like rural or dry neighborhoods:
- Know the Law: Confirm whether fireworks are legal in your area and what types are permitted.
- Clear Debris: Remove dry leaves, pine needles, or flammable material from your roof, gutters, and yard.
- Water Surroundings: Hose down your roof, deck, and landscaping beforehand to reduce flammability.
- Trim Trees: Cut back overhanging branches that could catch fire.
- Create a Safe Launch Zone: Use a flat, open area away from homes, vehicles, and vegetation.
- Have Safety Tools Ready: Keep a hose, fire extinguisher, and water buckets nearby.
- Install Ember-Resistant Vents: These prevent sparks from entering your attic or crawl spaces.
- Establish Defensible Space: Use gravel or fire-resistant plants near your home as a barrier.
- Label Water Sources: Make water access points visible for firefighters in an emergency.
What to Do if Fireworks Cause Damage
If a firework causes injury or damage to your home, follow these steps:
- Ensure Safety First: Call 911 or emergency services immediately if there’s a fire or injury.
- Document the Damage: Take clear photos and videos of the damage and any injuries.
- Preserve Evidence: Keep remnants of the firework(s) to help determine cause.
- Notify Your Insurance Provider: Report the incident and begin the claims process promptly.
- Gather Contact Information: If a neighbor’s fireworks were involved, collect their details and any witness statements.
- File a Police Report (if needed): If the responsible party is unknown, consider filing a report, especially in a suspected hit-and-run situation.
How to Protect Yourself from Liability
To avoid potential lawsuits or denied claims, take these precautions:
- Follow Local Fireworks Laws: Using illegal fireworks can result in denied claims or fines.
- Maintain Liability Coverage: Confirm that your homeowners policy includes adequate personal liability protection.
- Practice Fireworks Safety:
- Always supervise children using sparklers or fireworks.
- Keep a safe distance between spectators and launch areas.
- Never attempt to relight malfunctioning fireworks.
- Have extinguishing tools readily available.
Protect Your Home From Fireworks
Fireworks can be a fun part of summer celebrations, but they also carry serious risks. By preparing your home, understanding your insurance coverage, and taking swift action in the event of an incident, you can enjoy the festivities while keeping your property and loved ones safe.
Disclaimer:
This blog is intended for informational purposes only and does not guarantee coverage. Every insurance policy is different, and circumstances vary. Always consult your insurance advisor for personalized advice. In the event of an emergency, contact emergency services first before reaching out to your insurance provider.
