With New Year’s celebrations approaching, Mississippi Insurance Commissioner and State Fire Marshal Mike Chaney is urging residents to practice firework safety to prevent injuries, fires, and property damage.
According to the National Fire Protection Association, fireworks sparked more than 32,000 fires nationwide in 2023, causing an estimated $142 million in property damage. Chaney reminded residents that while most standard homeowner’s insurance policies cover accidental fire damage, coverage is not guaranteed in every situation.
“Standard homeowners’ insurance policies cover damage from accidental fires, like those caused by fireworks, but there are exceptions. If you set off fireworks where they are not allowed, your policy might not cover the damage,” he said. “Check local laws to find out if fireworks are legal in your area. Your insurance company can also tell you if there are any fire restrictions in your policy.”
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The Mississippi Insurance Department recommends the following precautions to maximize safety:
- Use common sense
- Always read and follow the directions on each firework
- Never point or throw fireworks at another person
- Buy from reliable fireworks sellers
- Store them in a cool, dry place
- Always have an adult present when shooting fireworks
- Put used fireworks in a bucket of water and have a hose ready
- Only use fireworks outdoors, away from homes, dry grass, and trees
- Lighten only one item at a time and keep a safe distance
- Never experiment or attempt to make your own fireworks
- Never re-ignite malfunctioning fireworks
- Never give fireworks to small children
- Never carry fireworks in your pocket
- Never shoot fireworks in metal or glass containers
- Observe local laws
Residents are also urged to check with local fire protection officials as some municipalities prohibit the use of fireworks within city limits.
Anyone who experiences fire damage or needs help filing an insurance claim is encouraged to contact the Mississippi Insurance Department.