Damage to Landscaping or Fences Caused by Fireworks
Coverage Depends on Policy Terms and Firework Circumstances
Homeowner's insurance may cover damage to landscaping or fences caused by fireworks, but it depends on how the damage occurred and the specific provisions of your policy. Standard HO-3 and HO-5 policies typically protect against fire-related damage, including that caused by fireworks, as long as the incident was accidental and not due to intentional acts by the homeowner. If the firework mishap was caused by a neighbor or an unknown party, you may still be eligible to file a claim under the dwelling or other structures coverage of your policy.
Fences and Landscaping Under Separate Policy Sections
Fences are usually covered under the "other structures" portion of a homeowners policy. If fireworks result in burns, scorch marks, or total destruction of a fence, this section may reimburse for repair or replacement costs minus your deductible. However, landscaping elements such as trees, shrubs, and plants are generally covered under a separate provision with limited protection.
Most policies cap landscaping coverage at a specific dollar amount per plant or tree—often around $500 to $1,000 per item—with an overall limit on the total landscaping payout. For example, if fireworks scorch your lawn or ignite a tree, coverage may apply only up to the limits outlined in the landscaping clause. Damage from fire is one of the few perils typically covered for landscaping; damage from wind, drought, or disease is usually excluded.
Intentional Acts and Local Firework Laws Matter
If fireworks were used illegally or intentionally by someone in your household, your insurer could deny the claim due to an "intentional acts" exclusion. Insurance generally does not cover losses resulting from criminal activity or policyholder negligence. On the other hand, if a neighbor's fireworks caused the damage, your insurer may cover your loss and then pursue reimbursement from the responsible party through subrogation.
Filing a Claim and Documentation
To file a claim, document the damage thoroughly with photos and videos. Obtain any witness statements or police/fire department reports if applicable. Provide receipts or estimates for damaged landscaping and fence repair. Check your policy for specific language on "other structures" and "landscaping," and consult your insurer or agent to confirm coverage before starting repairs.
Understanding your homeowner's policy's scope and limitations is key to receiving compensation for firework-related damage. Accidental fire damage, even to external features like fences and landscaping, is often covered—but with limits.