Does homeowner's insurance cover firework damage to the INSIDE??

Answer 1

Tell them this.......

You were being a responsible homeowner and took the fireworks that you had purchased (or what was left of them after you son got finished with them) and taped them up and put them in the closet like a good boy should. But then.......the wildest thing happened. A moose came out of the woods. (Yes.....I know moose are big....stop interrupting.....I'll explain in the story). A moose came out the woods. He walked up the steps of your front porch and banged on the door. Well you went to answer the door and flung it open very innocently. (Yes, I know the moose won't fit in the door........shhhh......I'm getting to that part!) And upon seeing the moose you ran and hid in the closet. The moose broke the door frame (see??) and charged his way inside looking hither and yon (Yes Antny...people DO still say hither and yon) for you but could not find you so calmly left. But this was unbeknownst (*Elbows Antny* Yes...that is a word.....shhhhh) to you while you were still hiding in the closet. You couldn't see a thing so you lit a match.......Right then......the moose let out a huge moannnnnnnn and it startled you. You dropped the match........yes.......you guessed it.......RIGHT ON TOP OF THE BOX OF FIREWORKS!!!!

Sooooooo this way you can file insurance against the moose and uncontrollable damage due to fireworks being inadvertantly set off in your closet. Yes.....I think this just might work. Uhm.......if you have moose coverage that is. You might check into that one. *wink*

Answer 2

As a former Kindler and Laucci, Mission and Transamerica Insurance Rep, I can tell you - under no circumstances will a policy ever be written to protect and cover someone for firework damage inside the home. There is no explanation that can be uttered that would explain that kind of damage in order to get paid.

Answer 3

It should be covered under fire insurance or an all risk policy, but fireworks indoors might fall under the range of increased hazards the policy wasn't intended to cover, (kind of like if you own five pit bulls or store a hundred gallons of gas in your basement). Increased hazards may void coverage.

Call your agent and report the claim. Let them decide if it's covered or not or if any exclusions apply.

Answer 4

Probably but you will have to check your policy. How much is your deductible?? Does the damage significantly exceed your deduct able?? If not then I wouldn't call. Just deal with it or fix it yourself.
If you call your homeowners and tell them you were not smart enough to know to light fireworks outside they may just drop your coverage...your a risk of them having to pay out lots of money to fix damage.

Answer 5

That depends on two things, 1. If Fireworks are legal where you live and 2. If they were set of by pure accident that can be proven beyond the shadow of any doubt.

Answer 6

I agree with Ms.Fortune on this one. I would push the insurance company if they don't cover it....you were doing a very smart thing and saving them tons of money.LMAO

Answer 7

if they don't... they sure should! ...after all you obviously were thinking very carefully before you did this...#1) you didn't want to do it outside and disturb your neighbors, # 2 ) you kept it contained so as not to make a mess on the outside of the property or burn any trees #3) they should be happy your not making any personal injury claims #4) if you did it outside you could have accidentally lit the roof on fire !(you actually saved them money here..personally I would point this out)lol..

Answer 8

Your pretty dumb to light fireworks inside

Answer 9

if it was an indoor firework then yes if not it would be regarded as your stupidity so tuff read the instuuctions

Answer 10

I seriously doubt it. It wasn't an accident that someone started a fire for any reason.