The Fourth of July is usually the busiest day for fires during the year. According to the National Fire Protection Association, pyrotechnics are to responsible for two out of every five structure fires, resulting in $105 million in direct property damage.
Fireworks are responsible for an estimated 19,500 fires each year. An estimated 9,100 people were treated in hospital emergency departments for fireworks-related injuries, with half of those injuries occurring in the limbs and 34% occurring in the head or eye. According to the NFPA, children under the age of 15 accounted for more than a third (36%) of the predicted 2018 injuries.
Will your home insurance cover fireworks injuries and damage?
It's both a simple question and a complicated one. Most home insurance policies provide many different types of protection, and these protections often have different payment limits. Also, there are different types of accidents. The answer, mostly, is yes.
That is, unless fireworks are illegal where you live, and unless you purposely caused injury or damage. Then you may be on your own.
Call us and we can help you determine your coverage!