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.

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(Indianapolis, Ind.) – Even though the coronavirus canceled many Independence Day celebrations, the use of fireworks in communities across the state is a traditional way to celebrate the holiday.

The Indiana Department of Insurance is warning Hoosier homeowners and renters that accidental damage caused by fireworks that are banned in their counties may not be covered by their homeowners or renter’s insurance policies.

Many policies contain provisions disclaiming 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 make sure to check to see what additional rules you will need to follow when celebrating this Independence Day.

Consumers that experienced property damage due to another person’s use of fireworks may be able to claim benefits under the homeowner's or renter’s 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.”