What happens if someone is injured at your house while fireworks are going off? No worry, you have homeowner’s insurance? Think again!!
Your homeowner’s insurance policy may NOT cover injuries from fireworks. Since Florida law prohibits fireworks from being sold to general consumers, someone who let fireworks off in their backyard is technically breaking the law. If the homeowner’s policy excludes coverage for damages occurring while violated the law, there may be no homeowner’s coverage and you may be responsible for injuries occurring at your house. Check your homeowner’s policy BEFORE you light the first fireworks.
In 2005, 10,800 were treated in emergency rooms for fireworks related injuries. Another 190,000 people are estimated to have been injured from fireworks without going to the emeregency room. Also, 4 people were killed by fireworks in 2005.
Fireworks are dangerous so act accordingly. Also, make sure that all around you act responsibly. If you are drinking, don’t let off fireworks. Don’t hold a lit firework in your hand or try to re-light a firework that appears to be a dud. Of course, don’t throw or point fireworks at people, vehicles, buildings, trees or other object. Use common sense and injuries could be avoided.
If you or a loved one is injured because of someone’s carelessness with fireworks, you should consult with an attorney before talking with the insurance companies. Insurance companies will have attorneys to deny your case, you should have attorneys to fight your claim.
My Tampa Bay personal injury law firm has been fighting for those injured in Florida for over 53 years. To contact me to discuss your case, simply click here.