Department Of Insurance Warns Damage From Fireworks May Not Be Covered By Insurance

Know the state laws and local ordinances surrounding the use of fireworks before hosting your own fireworks show.

(Indianapolis, Ind.) – While many public Independence Day fireworks events have been cancelled this year, many community members will find themselves setting off their own fireworks shows this holiday. With that being said, the Indiana Department of Insurance is cautioning Hoosier homeowners and renters that accidental damage caused by fireworks may not be covered by their insurance policies.

Many policies contain provisions that disclaim coverage for illegal acts committed by the insured, so it is important to know the rules and regulations surrounding the use of fireworks. Find the laws governing fireworks in the Hoosier state here. Many towns and cities have additional ordinances that Hoosiers must follow, so be sure to check to see what additional rules you will need to follow when celebrating this 4th of July season. 

Consumers that experience property damage due to another person’s use of fireworks may be able to claim benefits under their homeowners or renters policy.

“It’s important for Hoosiers to consider the consequences before using fireworks,” said IDOI Commissioner Stephen W. Robertson. “If someone using fireworks accidentally starts a fire, to their own property or that of their neighbors, they may not be able to turn to their insurance company for coverage.”

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