It’s that time of the year! The big barbecue in the backyard and fireworks at dusk party! Are you sure you are ready to assume the risks and liability of a firework related loss?
Fireworks that leave the ground or blow into pieces are restricted in some states and legal in others. So-called “safe” fireworks such as sparklers and smoke makers have risks. Embers from any firework can cause fires and bodily injuries. Your fireworks may cause property damage and bodily injury to neighbors or guests at your party.
Homeowners may assume they are covered for any accident that occurs around their home. The fact is, coverage for fireworks accident may depend circumstances surrounding the incident. Some insurance companies will not pay a fireworks-related claim if:
- The state, county or municipal law/ordinance outlaws fireworks or allow only professionals to use them.
- The state, county or area prohibits the type of firework used, even if purchased legally someplace else.
- Local law/ordinance requires a permit and you don’t get one.
- You have violated the law or if circumstances couldn’t be considered accidental.
To be sure you’re covered for a firework or firecracker loss call your insurance agent before using fireworks. You should provide your agent with a safety plan and how you will be using the fireworks. These kinds of claims are difficult because they constitute acts that materially increase the hazards and risks for an insured. Most policies state it’s the insureds responsibility to never knowingly increase the hazard for a loss. Homeowners who have personal umbrella policies may have coverage for damages even if their homeowner (underlying) policy won’t cover the loss. You may want to consider an umbrella policy if you are hosting parties or gatherings on your property or in your home.
Renters without a renters insurance may feel safe thinking the property owner or neighbors’ insurance may pay for firework damage you cause to their property. It may be true that a property owner is paid, under the property damage portions of their insurance policy, subject to a deductible. But the insurance company who makes a claim payment to a not-at-fault homeowner or property owner would still subrogate the at-fault person for damages. This means a renter could be responsible for the cost of the full claim.
Some of the other issues an insurance company may consider when evaluating a firework claim may be:
- The type and kinds of fireworks used compared to the age, maturity and experience of the users.
- Physical and pyrotechnic safety precautions taken.
- Physical surroundings of where the fireworks were used.
- And, the weather conditions.
Every year, thousands of people suffer fireworks-related injuries. The majority are burns to the hands or face and lacerations or foreign bodies in the eyes. Injuries often result from an unexpected explosions or flight path, and inappropriate use of fireworks.
If you will be lighting a few fireworks or firecrackers this Fourth of July keep in mind a few safety tips:
- Contact your Insurance Agent and have a safety plan.
- Obtain any permits your state, or local government may require.
- Purchase legal fireworks from a reliable seller.
- Read and follow label instructions.
- An adult should be present and in charge at all times.
- Have a bucket of water or a running hose for emergency use.
- Wear safety goggles when lighting fireworks.
- Light only one firework at a time.
- Never pick up or re-light a firework that appears to be a dud.
- Never throw or point fireworks at people, vehicles, trees, or buildings.
- Don’t light fireworks in glass or metal containers.
- Dispose of used fireworks by soaking them in water overnight before placing in the garbage.
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