Fireworks are a symbol of celebration, freedom, and new beginnings. Whether you are shooting off a beautiful display of fireworks for Independence Day or New Years, or simply lighting sparklers with friends and family, they each can cause serious damage if not handled properly. The National Fire Protection Association reports that fireworks start an average of 18,500 fires each year, including 1,300 structure fires. Before starting your celebrations, HH Insurance recommends reviewing your Tampa homeowners insurance policy to make sure you have a good understanding of what is and isn’t covered.
Does Tampa Homeowners Insurance Cover Firework Damage And Injuries?
Tapa homeowners insurance policies will cover most fires set in your home, but there are exceptions. The best way to know is by checking your policy and local laws. If you launch illegal fireworks and they cause damage to your home, your homeowners insurance policy will likely not cover repair. The same is true if you purposely damage your property using fireworks. However, if your neighbor accidentally shoots a firework at your house and causes damage, your insurance will cover you from the resulting damages or potential fire. If you legally set off fireworks and they injure someone, the liability portion of your homeowners insurance is there to protect you – The policy will usually pay for the individual’s medical expenses and legal expenses.
Firework Safety Tips:
What’s the best way to protect your family and home from firework damage? Leave it to the pros. But if you absolutely must set off fireworks to celebrate New Years, follow these simple tips from HH Insurance:
- Always have adult supervision when handling fireworks.
- Never use them while intoxicated.
- Don’t let children play with fireworks, including sparklers.
- It should go without saying, but don’t throw or aim them at other people.
- Have a hose, bucket of water, or fire extinguisher nearby.
- Always wear safety glasses when lighting fireworks.
- Keep all spectators at a reasonable and safe distance.
- Keep dogs and other pets away from them too.
- Follow and read the directions carefully.
- Allow used fireworks to stand for at least 20 minutes.
- Later, cover them in water, then drain and put them in a plastic bag before throwing them away.
- Do the same with any “duds” that don’t go off after a few minutes. Do not try to relight these duds.
- Never shoot fireworks from a metal or glass container.
- Only use them outdoors on a flat, fireproof, hard surface that’s free from flammable material.
- Don’t put any of your body parts near a firework.
HH Insurance
Contact us today to learn more about Tampa homeowners insurance through HH Insurance. We hope you have a safe and happy New Year!
**This blog provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverage. These definitions do not alter or modify the terms of any insurance contract.