“Jason Metz, an insurance analyst with Forbes Advisor, says homeowner and renter’s insurance policies won’t cover damage caused by the customer’s use of illegal fireworks.
“If the fireworks are illegal in your state or locality, most likely, you’re not going to have coverage under your homeowner’s or renter’s or condo insurance,” Metz said.
For example, if you’re setting off small rockets in the street — illegal anywhere in California — and one lands on your roof, starting a fire, your insurance claim would probably be denied.
What if someone else’s illegal fireworks damage your home? Don’t worry — your insurance should still cover that claim, Metz said.
“Let’s say somebody you don’t know is lighting off fireworks and an errant firework hits your house and starts a fire; you would be able to file a claim under your homeowner’s insurance policy,” he said.”
Read more about the dangers of illegal fireworks here.
Many people will likely use fireworks on their own property this year due to the restrictions put in place for gatherings. Even if you think they are safe there is still a chance that a spark or ember could start a fire on your home or a neighbor’s. You’re probably not thinking about home insurance during such an event but you should absolutely be aware of the risks.
The team at Bauer Restoration offers exceptional restoration service due to fire and smoke damage. Call us at 507-333-9838 or visit our fire damage page to learn more about this service.