Common Firework Claims in Texas

Fireworks are popular in Texas during holidays like the Fourth of July, New Year’s Eve, and New Year’s Day. While celebrations are festive, fireworks are also a frequent source of insurance claims. Understanding the most common firework-related claims can help homeowners, drivers, and businesses better prepare for potential losses.

Home Fires and Structural Damage

One of the most serious firework claims involves house fires. Stray fireworks can land on roofs, ignite attics, or start fires on porches, decks, and fences. Even small firecrackers can cause damage to siding, shingles, or exterior wiring.

Homeowners insurance typically covers fire damage caused by accidental fireworks, including repairs to the structure and detached buildings like garages or sheds.

Damage to Vehicles

Cars parked on streets, driveways, or near celebrations are vulnerable to firework damage. Common claims include scorched paint, cracked windshields, burned interiors, and melted trim. Comprehensive auto insurance usually covers firework-related vehicle damage, whether the fireworks were set off intentionally or accidentally.

Personal Property Losses

Fireworks can damage personal belongings such as outdoor furniture, grills, decorations, and stored items. Fires or explosions may also lead to smoke damage inside the home, affecting clothing, electronics, and furniture. Homeowners and renters insurance generally covers damaged personal property, subject to policy limits and deductibles.

Liability and Injury Claims

Fireworks are a major source of injury claims in Texas. If a guest, neighbor, or passerby is injured due to fireworks on your property, you could be held liable. Common claims include burns, eye injuries, and hearing damage. Homeowners insurance liability coverage may help pay for medical bills, legal fees, and settlements if you are found responsible.

Neighbor Disputes and Subrogation Claims

Many firework claims involve neighbors. If a neighbor’s fireworks damage your property, your insurance company may cover the repairs first and then seek reimbursement from the at-fault party’s insurer through subrogation. These claims often involve proof of negligence or violation of local fireworks laws.

Business and Commercial Property Claims

Businesses in Texas may file firework-related claims for damaged storefronts, signage, outdoor seating, inventory, or vehicles. Commercial property insurance and general liability policies may apply, depending on coverage terms.

Conclusion

Fireworks-related insurance claims in Texas often involve fire damage, vehicle losses, injuries, and liability disputes. Reviewing coverage before holidays—and taking safety precautions—can reduce risk and help ensure faster recovery if damage occurs.