Fireworks Safety and Homeowners Insurance: What You Need to Know
In the lead-up to July Fourth festivities, AAA - The Auto Club Group is advising homeowners to be aware of the potential for fireworks to cause property damage and liability issues. While fireworks are a traditional aspect of Independence Day celebrations, they come with significant risks.
According to the Consumer Product Safety Commission, there were 11 fatalities and 14,700 injuries associated with fireworks in 2024. Furthermore, the National Fire Protection Association reported that fireworks resulted in approximately 32,302 fires in 2023, encompassing 3,760 structure fires and resulting in $142 million in property damage.
Megan Cooper, spokesperson for AAA - The Auto Club Group, emphasized the importance of being informed about insurance coverage and taking preventative measures. She stated, “Even well-planned fireworks displays can end in injury or property damage. Before the celebration begins, be sure to understand your insurance coverage and take steps to limit potential risk.”
Insurance Policy Review
Key recommendations for homeowners include revisiting their homeowner's insurance policy to ensure it covers fire-related damage, guest injuries, detached structures, and liability claims. It is crucial to recognize that coverage might differ if fireworks are illegal in the area or used inappropriately. Homeowners should document valuable outdoor property and relocate flammable items away from fireworks.
Safety Precautions
Safety precautions involve keeping fireworks away from homes, vehicles, decks, dry grass, and trees. Disposal should involve soaking them in water and keeping them away from structures. Children should not handle fireworks, and it is essential to have water sources available in case of fire. It is also advised not to use fireworks while under the influence of alcohol or drugs, and attending professional displays is recommended to mitigate risks.
For more detailed information about insurance coverage and protective measures, homeowners are encouraged to contact their AAA insurance agent or visit AAA's website.