The 4th of July has come and gone. But, it may not have left you in a great position if your home or roof sustained damage due to fireworks. At the Richard Zeises Agency, serving the greater Jenkintown, PA area, we are often asked whether you can file a home insurance claim if fireworks damage your home.

In general, standard home insurance policies typically provide coverage for fire damage. However, coverage for fireworks-related incidents may vary. Some policies explicitly exclude damage caused by fireworks, while others may cover such damage under certain conditions. Reviewing your insurance policy to understand the terms and conditions regarding fireworks is crucial. If the policy includes coverage for fire damage and does not explicitly exclude fireworks, you may be able to file a claim for the damages caused by fireworks.

When filing a claim, it is essential to provide thorough documentation, including photographs and descriptions of the damage. It is also helpful to have evidence that the fireworks were the cause of the fire, such as eyewitness accounts or fire department reports. Remember that insurance companies may investigate the incident’s circumstances to determine the claim’s cause and validity. Additionally, some policies may have specific restrictions on fireworks-related claims, such as limiting coverage to certain dates or requiring compliance with local ordinances.

If you have any questions about your home insurance policy, including whether firework damage is covered, or you are looking to obtain a new one, the team at Richard Zeises Agency, serving the Jenkintown, PA area, can assist you. Call us now to learn more or to get started.