Fourth of July insurance news focuses on adequate safety and coverage efforts

Common Insurance Claims on the 4th of July

Common Insurance Claims on the 4th of July

Celebrating with barbecues and fireworks are fun as long as danger is avoided.

Every year, insurance news focuses on Independence Day, as it is a time when millions of Americans get together for barbecues, picnics, and fireworks, in a countrywide celebration, but when danger can be present if the proper safety measures are not taken.

In 2010, fireworks were the cause of 15,500 fires, and property damage that cost $36 million.

This data from the National Fire Protection Association is important insurance news to illustrate why safety should be a top priority throughout the celebrations, no matter what they involve. Indeed, the Fourth of July is the perfect time to celebrate the freedom of the country, but it is also a great opportunity to remind ourselves that this freedom comes with a responsibility, which includes the safety of people and property through the proper use of fireworks.

If you use fireworks near your home, be careful not to become next year’s insurance news statistics.

Simply choosing to use them will already increase the vulnerability of your home, family, guests, and pets to injury or damage. The first thing that you should do is to make sure that you have adequate coverage on your homeowners policy. The typical protection includes fire damage to both the structure and the property, including plants, after the deductible. The liability coverage of the policy will also cover any injuries experienced by your guests.

That said, just because you’re covered, it doesn’t mean that you should be careless. Nobody wants to be injured or have their home or property damaged, as that is the fastest way to ruin a holiday celebration.

Use the following tips to make sure that you get the most out of your Fourth of July party:

• Carefully read and follow the directions on the fireworks’ labels.
• Never allow children to play with the fireworks (lit or unlit) and store them well out of reach.
• Purchase any pyrotechnics only from a reliable business.
• Never make your own fireworks.
• Fireworks should only be used outdoors out in the open, never inside a building, garage, shed, or in an area with tree coverage.
• Fireworks should be lit only one at a time.
• Always have lots of water handy to put out hot fireworks.
• Read over these insurance news tips ahead of your party to refresh your memory, and have fun!

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