Can a 6-20 Accredited Claims Adjuster (ACA) Help with a Fireworks Claim?
YES!
A 6-20 ACA can absolutely help you if you have a claim thanks to fireworks.
The 4th of July is just around the corner, and that means fireworks, barbecues, and backyard celebrations. But before you strike that first match, it’s important to understand how fireworks can impact your homeowner’s insurance policy and your safety. Fireworks accidents can lead to property damage, injuries, and liability claims, so a little preparation goes a long way in protecting your home and your finances.
Why Fireworks Pose a Risk for Homeowners?
Fireworks can be fun, but they’re also unpredictable. In 2024 alone, the Consumer Product Safety Commission (CPSC) estimates about 14,700 injuries and eleven deaths were related to fireworks incidents. Whether you’re setting off sparklers or the extra fancy timed rocket, the potential for things to go wrong is high, especially when used near structures, dry grass, or other flammable materials.
Personal injury isn’t the only concern. Fireworks can cause fires that damage your home or a neighbor’s, meaning your insurance policy may suddenly be very important.
Will Homeowners Insurance Cover Fireworks Accidents?
Here’s the good news: in many cases, yes. Most standard homeowner’s insurance policies cover:
•Fire damage to your home or structures on your property
•Medical expenses if a guest is injured by your fireworks
•Liability coverage if your fireworks damage a neighbor’s home or injure someone else
But coverage often depends on how the fireworks were used and whether they were legal in your state, county or city.
For example, if you’re using illegal fireworks or you set them off negligently (like during a fire ban or too close to your house), your insurer may deny the claim altogether, which could leave you paying thousands out of pocket.
Always double-check your state and local laws before purchasing or using fireworks.
Even “harmless” items like bottle rockets can be illegal in some municipalities.
What Homeowners Can Do To Stay Protected
Being prepared doesn’t mean you have to skip the celebration. It just means taking a few smart steps before lighting the fuse:
1. Check Your Coverage
Call your insurance provider or review your policy to confirm what’s included. If you’re unsure whether fireworks-related damage or injury is covered, ask directly.
2. Create a Safety Zone
Designate a clear, flat area for fireworks that’s far from homes, trees, and dry grass. Keep a bucket of water or fire extinguisher nearby, just in case.
3. Supervise Children
Sparklers might seem harmless, but they can burn at temperatures above 1,000°F. Keep children at a safe distance and supervise any use of fireworks, no matter how small.
4. Notify Neighbors
Giving your neighbors a heads-up is not only courteous it can also help avoid unexpected problems like complaints, frightened pets, or unwanted property damage.
5. Dispose Properly
After the show, soak used fireworks in water and dispose of them in a metal trash can. Never relight a “dud,” wait 20 minutes and then douse with water or submerge it.
Legal vs Illegal Know the Difference:
This might seem obvious, but not all fireworks sold at roadside stands are legal. The National Safety Council emphasizes that just because fireworks are for sale doesn’t mean they’re permitted in your area.
To help you navigate what’s allowed and what’s not, check out the helpful fireworks law map from the American Pyrotechnics Association.
Using banned fireworks can void insurance claims and lead to fines or criminal charges.
Fireworks and Liability
Here’s where it gets tricky. If a firework you set off accidentally causes damage to someone else’s property, or worse, injures someone, you could be held liable. That’s where the liability portion of your homeowner’s insurance steps in.
But again, only if you’re acting within the law and not being reckless. This is one of the first things accredited claims agents will check when investigating a fireworks-related insurance claim. You will want to provide all the details to your accredited claims adjuster including the who, the where, the what and the why, so all details.
What happens if you’re not covered or your claim is denied? You might be sued and held personally responsible for damages. That’s a huge expense for what amounts to only a few minutes of fun.
Think Bigger, Is It Time To Review Your Policy?
Events like the Fourth of July are a great reminder to revisit your homeowner’s insurance and make sure your coverage limits are high enough. Property values rise, and costs of repair or rebuilding do too. Fireworks season is the perfect time to ask:
•Do I have enough liability coverage?
•Am I covered for accidental fire damage?
•Would an umbrella policy offer better protection?
If you’re unsure, talk to a licensed agent. Don’t have one? Check out our guide to homeowner’s insurance policies to get started.
Fireworks and celebrations go together but safety and insurance do too. Protect your home, your loved ones, and your summer fun by planning ahead and understanding how your homeowner’s policy works.
With the right precautions and a little knowledge, you can enjoy a safe, sparkling celebration, without the financial fallout.
About ESC
At ESC, we’re committed to providing those looking to earn their 6-20 Accredited Claims Adjuster (ACA) designation and those looking to earn their 4-40 Registered Customer Service Representative (RCSR) designation. We offer the latest insights and tools for career growth opportunities.
Our 6-20 Accredited Claims Adjuster (ACA) designation prepares professionals to work in both independent and staff adjuster roles, ensuring that they are well-versed in policy interpretation, damage assessment, and ethical considerations. With this designation, adjusters can apply for an all-lines adjuster license in Florida, qualifying them to handle home, auto, and property insurance claims in the wake of multiple storms.
At ESC, we are dedicated to training the next generation of insurance adjusters who will play a pivotal role in the recovery process for anyone involved in an insurance claim. As the demand for skilled adjusters grows, their contribution to community resilience and recovery becomes even more critical.
For more information on how to earn your 6-20 ACA designation or 4-40 RCSR designation and join these vital fields, visit our FAQ page on our website, or call our Clermont, Florida office at 1-800-309-2459.