The Fourth of July is the quintessential summer holiday, but it’s also one of the busiest days for public safety agencies. Do your part by being safe around fireworks and in general.
Insurance policies generally cover fires that are accidental in origin. We recommend you talk to your insurance agent or broker about your coverage in the event of a fire or injury on your property.
Many municipalities in Washington have banned the use of fireworks. Washington State Patrol has a list of fireworks laws in Washington cities. They also have a list of public fireworks displays in Washington.
If guests are injured by a personal display of fireworks, the homeowner policy may include medical coverage and personal liability coverage. View the U.S. Consumer Product Safety Commission (CPSC) has an infographic about fireworks injuries.
Here are some tips from the CPSC on fireworks safety:
- Never allow young children to play with or ignite fireworks.
- Always have an adult supervise fireworks activities. Parents don't realize that young children suffer injuries from sparklers. Sparklers burn at temperatures of about 2,000 degrees - hot enough to melt some metals.
- Never place any part of your body directly over a fireworks device when lighting the fuse. Back up to a safe distance immediately after lighting fireworks.
- Keep a bucket of water or a garden hose handy.
- Light fireworks one at a time, then move back quickly.
- Douse spent fireworks device with water from a bucket or hose to prevent a trash fire.
- Make sure fireworks are legal in your area before buying or using them.