Will Insurance Cover Damages Caused By Fireworks?

How Many Claims For Fire Damage From Fireworks Are There Every Year?

You would expect that individuals would exercise greater caution when using fireworks. Also, you may believe that firework-related accidents and injuries only occur on the Fourth of July, although they occur throughout the year. The National Fire Protection Association (NFPA) data reported that fireworks caused 19,500 incidents in 2018, including 1,900 structure fires, 500 car fires, and 17,100 outdoor and other fires. That is a large number of fires and insurance claims that must be processed. Therefore, the next time you put off fireworks, take additional care to ensure a safe show, not only on July 4 but all year round.

What Happens When Fireworks Damage Your Property?

First, let's discuss the distinction between when your pyrotechnics injures your property and when your neighbor's fireworks cause damage. In submitting an insurance claim, the insurance company has to know where and who was responsible for lighting the fireworks, as there is a completely distinct insurance claim procedure when another party is involved with fire damage to your property. If a neighbor or any other individual has caused fire damage, it is best to involve the authorities. Thus, a police record will be filed, providing you with further documentation to provide to your insurance company when filing a claim for fire insurance.

When your pyrotechnics create fire damage, the claims process is identical to any other fire insurance claim. Collect evidence, photographs, receipts of damaged things, etc., before making the initial insurance claim. Upon filing the claim, there are a few things you can do to expedite the procedure:

Continue to Inquire With the Insurance Company About the Status Of Your Claim

While everything is being processed, there may be times when the insurance company does not contact you for days. During this time, maintain communication with your insurer. This may place your claim at the top of their inquiries. In addition, it indicates that you want your claim processed as quickly as possible.

Continue to Assert Your Position.

If you believe your argument is going nowhere, persist in making your case known. This may involve contacting the insurance company, adding additional information to your claim, having the insurance adjuster reassess the property, etc. You may want to consider enlisting the services of an experienced home insurance attorney. Using a variety of techniques, they will be able to ensure that you receive the most amount of money for your insurance claim. All the information may help advance your claim, bringing you closer to getting your insurance money to repair the fireworks-related property damage.

Will Insurance Cover Damages to Your Property Caused By Fireworks?

In brief, it relies on many variables. You must be in good standing with your insurance company to receive full coverage for any damages. Ensure that your payments are current and that you meet your policy's criteria. Your insurance policy is the greatest resource for this information, or you can contact your insurance provider for further information. If everything is in order with payments, there should be no reason why a claim for fire damage caused by pyrotechnics would be denied. However, if the fire caused severe damage and the repair cost was greater than what your insurance carrier was willing to pay, your claim may be denied. If you reside in a state that restricts fireworks usage, your claim could also be denied. Your claim will likely be denied if fireworks are prohibited in a particular state.