{"id":108346,"date":"2021-07-01T18:00:24","date_gmt":"2021-07-01T22:00:24","guid":{"rendered":"https:\/\/aroundfortwayne.com\/news\/?p=108346"},"modified":"2021-07-04T12:53:30","modified_gmt":"2021-07-04T16:53:30","slug":"damage-caused-by-banned-fireworks-may-not-be-covered-by-insurance","status":"publish","type":"post","link":"https:\/\/aroundfortwayne.com\/news\/2021\/07\/01\/damage-caused-by-banned-fireworks-may-not-be-covered-by-insurance\/","title":{"rendered":"Damage caused by banned fireworks may not be covered by insurance"},"content":{"rendered":"

\"fireworks\"<\/p>\n

The Indiana Department of Insurance is warning Hoosier homeowners and renters that accidental damage caused by banned fireworks may not be covered by their homeowners’ or renters’ insurance policies.<\/p>\n

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Indiana Department of Insurance Warns Damage from Fireworks May Not Be Covered by Insurance<\/strong><\/p>\n

Indianapolis, Indiana (July 1, 2021) – As Independence Day celebrations kick off, 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.<\/p>\n

Many insurance policies contain provisions disclaiming coverage for illegal acts committed by the insured. However, consumers who experience property damage due to another person\u2019s use of fireworks may be able to claim benefits under their homeowners or renters policy.<\/p>\n

In 2019, according to the U.S. Consumer Product Safety Commission Annual Fireworks Report, fireworks were involved with an estimated 10,000 injuries treated in U.S. hospital emergency departments. Children younger than 15 years of age accounted for 36 percent of the estimated fireworks-related injuries.<\/p>\n

The following are laws governing fireworks in the Hoosier state, and many towns and cities have additional ordinances that Hoosiers must follow:<\/p>\n