Insurance won't always pay for fireworks damage


As we all celebrate Independence Day, take a moment to think about what could happen if you use fireworks improperly. Of course, there's the risk of physical harm, but damage to property is a serious concern, too.

Many people get caught up in the moment of celebration and don't think about what could happen if something goes wrong when setting of fireworks. Tonight, professional pyrotechnicians will be setting off fireworks from the Regions Bank building. But since 2006, anyone in Indiana is allowed to use what are called "consumer grade" fireworks.

Smaller consumer explosives such as traditional firecrackers, bottle rockets and sparklers must be used in compliance with Indiana law. That means using them during certain hours, and with some limitations when it comes to children. If you use fireworks against these laws, and your property gets damaged, your homeowner's insurance policy may be void.

"Just from an insurance perspective, we just want to make sure that people have that issue covered, as well," said Dennis Rosebrough of the Indiana Department of Insurance, "to make sure that they don't jeopardize coverage because they operate fireworks illegally or outside the parameters for operating fireworks in their locality."

Statewide, fireworks can be set off every day from 9:00 a.m. until 11 p.m. Holidays, like the 4th of July, those hours are extended until midnight.

Also, children may use fireworks only when an adult is present.

Click here to check for a fireworks show or Independence Day festival in your area.