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Fireworks can add excitement to celebrations, but they also pose risks of fire damage to properties. If fireworks cause fire damage to your home, understanding your insurance coverage and navigating the claims process becomes crucial. Here’s what you need to know about insurance coverage for fire damage caused by fireworks.

How Common Are Fire Damage Claims from Fireworks?

Fireworks are responsible for a significant number of fires each year. According to the National Fire Protection Association (NFPA), fireworks caused an estimated 19,500 fires in 2018 alone, including structure fires, vehicle fires, and outdoor fires. These incidents result in numerous insurance claims that require careful handling and documentation.

What Happens When Fireworks Damage Your Property?

Own Fireworks vs. Neighbor’s Fireworks

The process of filing an insurance claim differs depending on whether your own fireworks caused the damage or if it was caused by a neighbor or another party. When another party is involved, such as a neighbor’s fireworks causing damage to your property, involving the authorities and documenting the incident with a police report is crucial. This documentation strengthens your claim with evidence when submitting it to your insurance company.

Filing an Insurance Claim

When your own fireworks cause fire damage, the process mirrors any other fire damage insurance claim. Begin by collecting evidence—take photographs, gather receipts for damaged items, and document the extent of the damage thoroughly. This documentation is essential when filing your initial insurance claim.

To expedite the claims process, maintain regular communication with your insurance company. Keep them informed about the progress of your claim and be proactive in providing any additional information they may request. This proactive approach can prioritize your claim and ensure swift processing.

Will Insurance Cover Damages from Fireworks?

The coverage for fire damage from fireworks depends on several factors outlined in your insurance policy. Ensure you are in good standing with your insurer, including being up to date on payments and complying with policy requirements. Review your policy or consult with your insurance company to understand the specifics of your coverage.

Insurance generally covers damages from fireworks if you meet policy conditions. However, coverage may be limited if the damage exceeds certain thresholds or if fireworks use is prohibited in your state. It’s crucial to clarify these details with your insurer to avoid potential claim denials.

Hire a Public Adjuster for Assistance

Navigating insurance claims, especially for fire damage from fireworks, can be complex. If you encounter difficulties in receiving fair compensation or navigating the claims process, consider hiring a public adjuster. Public adjusters work on your behalf to assess damages, negotiate with insurance companies, and maximize your claim settlement.

Atlantic Adjusting, with over 30 years of combined experience, has been representing families in their insurance claims. Contact us for a free consultation to learn how we can assist you through your fire damage insurance claim. Our dedicated team is committed to ensuring you receive the compensation you deserve for your property damage.


While fireworks can enhance celebrations, they also pose risks of fire damage to properties. Understanding your insurance coverage, documenting damages, and proactive communication with your insurer are essential steps to ensure your fire damage claim is processed smoothly. If you need assistance navigating the complexities of a fire damage insurance claim, trust Atlantic Adjusting Co., to advocate for you and maximize your claim settlement.

Contact us today for expert guidance and support in handling your fire damage insurance claim with confidence.

Damage from Fireworks

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