With the 4th of July just around the corner, here’s a chance to learn more about fireworks safety for you and your home.
As the 4th of July approaches, we can be sure that Katy Perry’s “Firework” will be soaring to the top of the charts, while actual fireworks soar through the sky. Fireworks are almost synonymous with the 4th of July, but it’s important to remember that they can be very dangerous and cause serious damage. Learn more about fireworks safety and how home insurance covers fireworks damage.
Fireworks and You
In 2022, there were 11 deaths and over 10,000 injuries related to fireworks, with 73% of accidents occurring during the 4th of July period. Since 2007, there has been a steady increase in fireworks-related injuries. Research by the U.S. Consumer Product Safety Commission (CPSC) provides more context:
- 15-19 year-olds had the highest rate of emergency-department treated, fireworks-related injuries.
- Hands and fingers were the most injured body parts (29%).
- 38% of emergency department-treated injuries were burns.
We want to see flashes of red, white, and blue fireworks, not the flashing of ambulance lights. Follow these fireworks safety tips to avoid a trip to the ER:
- Never allow children to ignite fireworks or sparklers. Sparklers may seem harmless but can burn at up to 2,000 degrees Fahrenheit.
- Keep a bucket of water or hose nearby in case of a fire or accident.
- Point fireworks away from yourself and others.
- If a firework is malfunctioning or not lighting, do not attempt to relight it. Soak it in water and throw it away.
- When lighting fireworks, light only one at a time. Do not place your body directly over the fuse and make sure to back away quickly.
Watch this fireworks PSA from the CPSC and don’t be a dummy this 4th of July!
Fireworks and Your Home
In 2018, fireworks caused over 19,000 fires and $105 million in direct property damage. This raises the question: “Does home insurance cover fireworks damage?” The answer is generally yes, with some exceptions. Your home insurance policy typically covers damages caused by fireworks. For instance, if a firework starts a fire or damages your property, your policy should cover these damages. If your fireworks injure someone, liability insurance may also provide coverage.
However, coverage is subject to the legality of the fireworks and any exclusions in your policy. Many policies do not cover damage caused by illegal fireworks or wrongful acts. If damage is done purposefully, it will not be covered. Each state has different laws regarding fireworks legality, which can vary by occasion, type of firework, and time of day. For example, in Florida, fireworks are legal on the 4th of July, New Year’s Eve, and New Year’s Day.
Planning on grilling before the fireworks show? Read our article on grilling safety.
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