Backyard Fireworks Cause $98 Million in Property Damage

Backyard fireworks displays, often used for celebrations like the Fourth of July, pose a significant risk of property damage and injury. In 2024, the National Fire Protection Association (NFPA) reported that fireworks initiated 34,079 fires, leading to an estimated $98 million in property damage. AAA (Auto Club Group) advises homeowners to understand the dangers associated with backyard fireworks and the specific terms of their home insurance policies. Adrienne Woodland of AAA emphasized that even well-executed displays can result in harm or property loss, urging individuals to review their insurance coverage and implement risk-mitigation strategies before celebrations commence.

Most standard homeowners' insurance policies typically cover fire damage and related guest injuries stemming from fireworks. However, a critical exception exists: if the fireworks used were illegal in the specific state or municipality, insurers may refuse to cover the claim. Kristine Pokrandt, an insurance agent at Goosehead Insurance, explained that using prohibited fireworks constitutes a willful act, and insurers are generally not obligated to cover losses arising from such illegal activities. This can leave homeowners financially exposed.

In certain jurisdictions, the consequences extend beyond denied insurance claims. Edward Susolik, CEO, president, and trial attorney at Callahan & Blaine, highlighted that in California, some counties have enacted ordinances holding homeowners liable for illegal fireworks used on their property and any resulting injuries. This means homeowners could face not only financial responsibility for damages but also potential fines and other legal repercussions, particularly in areas like Sacramento or Ventura counties where such ordinances are in place. Understanding local regulations regarding fireworks is therefore crucial for homeowners.