{"id":2675,"date":"2024-07-02T15:41:30","date_gmt":"2024-07-02T19:41:30","guid":{"rendered":"https:\/\/ahavalegacylaw.com\/?p=2675"},"modified":"2024-07-03T16:17:09","modified_gmt":"2024-07-03T20:17:09","slug":"homeowners-insurance-probably-wont-cover-fireworks-injuries","status":"publish","type":"post","link":"https:\/\/ahavalegacylaw.com\/pl\/homeowners-insurance-probably-wont-cover-fireworks-injuries\/","title":{"rendered":"Homeowners’ Insurance Probably Won’t Cover Fireworks Injuries"},"content":{"rendered":"

Florida residents who have stockpiled vast quantities of explosives to celebrate their independence this 4th of July could in for a different kind of bombshell\u2014that they may not be covered by their homeowners\u2019 insurance if a friend or neighbor is injured by their fireworks.<\/p>\n

Fireworks are Actually Illegal in Florida<\/strong><\/p>\n

That\u2019s because in Florida, it is actually\u00a0illegal for private individuals to use exploding fireworks (including shells and mortars, multiple tube devices, Roman candles, rockets and firecrackers) for recreational purposes without a permit. In fact, sparklers are the only form of fireworks that are legal to buy and use.<\/p>\n

Wait, what?<\/strong><\/p>\n

\"Fireworks-ban\"<\/a>You\u2019re probably wondering how it is possible for all of the illegal types of fireworks to be bought and sold at major retailers like Target and Walmart as well as roadside stands throughout the state.<\/p>\n

The answer lies in an obscure loophole in Section 791.07<\/a>, Florida Statutes. This exception to the fireworks ban allows them if used \u201csolely and exclusively in frightening birds from agricultural works and fish hatcheries.\u201d Sellers of the contraband therefore require that all buyers of fireworks sign a form stating they fall under an agricultural, fisheries or other exemption to cover themselves. These waivers will not protect buyers if they intend to use the fireworks to impress their friends and neighbors at their Independence Day picnic\u2014that\u2019s fraud and also illegal.<\/p>\n

Insurance Does Not Cover Injuries or Damage from Illegal Acts<\/strong><\/p>\n

Which brings us back to the homeowners\u2019 insurance. If your next door neighbor sets off a rocket and you suffer serious burns when it explodes, your neighbor\u2019s insurance will likely not cover your injuries. That is because most insurance policies exclude coverage for illegal acts (such as setting off fireworks for recreational purposes without a permit). Of course, you may still be able to recover from your neighbor personally.<\/p>\n

For more information on Ahava Law Group<\/a> and your potential personal injury case, please call us at 888-554-9998, or email Assistant@AhavaLawGroup.com.<\/p>","protected":false},"excerpt":{"rendered":"

Florida residents who have stockpiled vast quantities of explosives to celebrate their independence this 4th of July could in for…<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[230,94],"tags":[227,228,226,229],"class_list":["post-2675","post","type-post","status-publish","format-standard","category-english","category-personal-injury-attorneys","tag-4th-of-july","tag-fireworks","tag-fireworks-attorney","tag-fireworks-injuries"],"yoast_head":"\nHomeowners' Insurance Probably Won't Cover Fireworks Injuries * Ahava Legacy Law Estate Planning, Probate, Trust Attorneys<\/title>\n<meta name=\"description\" content=\"Florida residents who have stockpiled vast quantities of explosives to celebrate their independence this 4th of July could in for a different kind of bombshell\u2014that they may not be covered by their homeowners\u2019 insurance if a 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