Independence Day celebrations kick off in a couple weeks, the use of fireworks may increase in your area. 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 renters insurance policies.
Many insurance policies contain provisions disclaiming coverage for illegal acts committed by the insured. However, consumers who experience property damage due to another person’s use of fireworks may be able to claim benefits under their homeowners or renters policy.
In 2017, according to the Indiana Department of Homeland Security, 77 percent of all reported firework injuries occurred from July 1-7, and 39.5 percent of all firework injuries occurred on July 4. Firework use on private property accounted for 61.3 percent of reported injury cases.
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