Does Homeowners Insurance Cover Fireworks Accidents?

Fourth of July isn’t complete without a fireworks show. However, fireworks are infamous for their danger and as a result, injuries and property damage. If your property has been damaged due to a fireworks accident, you may be wondering if your homeowners insurance will cover the cost. Continue reading to discover the situations in which your policy will cover the costs of your damage, and when it will not. Plus, learn what you should do if your property was damaged due to a neighbor’s fireworks accident.

If you have any further questions regarding fireworks accidents and how your insurance policy may or may not cover your expenses, give our experienced insurance claim attorney a call today. Our firm would be happy to walk you through the process ahead. We are here to help.

What should I do if I caused a fireworks accident?

If you have caused damage to your home in a fireworks accident, would you be covered under home insurance? The answer is, it depends. If you were using fireworks that are legal in your state, you will generally be covered under your homeowners insurance policy in events such as an injury to a guest or a house fire. These types of accidents are covered by a typical insurance policy. However, if you were setting off illegal fireworks, your homeowners insurance policy will likely exclude accidents that are caused by illegal acts. It is possible for your insurance company to deny coverage based on illegal activity.

What can I do if someone else causes a fireworks accident?’

Another circumstance that a fireworks accident can be caused by is that a neighbor shoots off fireworks and accidentally causes damage to your property. If the fireworks your neighbor set off were legal, their home insurance will likely cover your property damage under the liability portion of the neighbor’s policy. You could also file a claim under your own homeowners insurance.

However, if your neighbor was setting off illegal fireworks resulting in your property damage, their insurance might deny them liability coverage due to the illegal act. In this case, you may want to file a claim under your homeowners insurance or sue your neighbor in court to recover the compensation necessary to cover your damages.

Contact our experienced New York City firm

The Law Office of Craig A. Blumberg is an experienced New York City insurance law firm. If you require quality assistance after having suffered a property loss due to a fire, a flood, a severe storm or a robbery, please do not hesitate to contact our firm to schedule a free initial consultation. A knowledgeable attorney on your side in your time of need can make all the difference.