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Fireworks and Homeowners Insurance

july_fireworksAccording to the National Fire Protection Association (NFPA), fireworks were responsible for an estimated average of 19,500 fires each year in the United States from 2009 to 2013. These fires resulted in an average of $105 million in direct property damage annually during that period. 

Enjoying fireworks displays at home can be a thrilling way to celebrate special occasions. However, it's important for homeowners to understand the potential risks and implications related to their homeowners insurance. In this blog post, we will explore key considerations for homeowners when it comes to fireworks usage and their insurance coverage. 

When it comes to using fireworks at home, homeowners should consider the following aspects related to their homeowners insurance:

Review your policy

Familiarize yourself with your homeowners insurance policy and understand what it covers and excludes. Pay attention to any specific provisions related to fireworks or fire-related incidents.

Liability coverage

Check if your policy includes liability coverage, which typically protects you if someone is injured or their property is damaged due to your negligence. This coverage may extend to fireworks-related incidents, but it's crucial to verify the specifics with your insurance provider.

Fireworks restrictions

Some insurance policies may have specific restrictions on the use of fireworks. Certain types of fireworks, such as professional-grade or homemade ones, may be prohibited. Violating these restrictions could potentially affect your coverage in case of a related incident.

Compliance with local regulations

Understand and comply with local laws and regulations regarding fireworks usage. Failing to adhere to these regulations could not only result in legal consequences but may also impact your insurance coverage.

Safety precautions

Take necessary safety precautions to minimize the risk of accidents and property damage. This includes following proper handling procedures, keeping a safe distance from buildings, structures, and flammable materials, and having appropriate fire extinguishing equipment readily available.

Reporting incidents

In the unfortunate event of a fireworks-related incident causing property damage, it's important to promptly report the incident to your insurance provider. Provide them with accurate information, documentation, and any necessary evidence to support your claim. 

Remember, insurance policies can vary, so it's always advisable to consult with your insurance agent or provider directly to obtain personalized and accurate information about your specific coverage and any additional endorsements or limitations related to fireworks usage. 

Most importantly – be safe this Fourth of July!