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While enjoying the Fourth of July this upcoming week, keep safety in mind to ensure you do not experience any injuries or property damage.

The misuse of fireworks can cause not only serious injuries but also fires or other property damage that can be costly when it comes to your homeowners’ insurance.

Commissioner Miller issued this alert, noting the National Fire Protection Association (NFPA) reported 11 non-occupational fireworks-related deaths, and approximately 11,900 emergency room treated injuries, mostly burns, in 2015.  The NFPA also reported more than 18,500 fireworks caused fires, and $43 million in property damage annually.

When there is property damage, a homeowner may need to file a claim.  If the claim results in the homeowners’ insurer making a monetary payment due to the damage, the homeowners’ premiums could increase.  The homeowner will also be responsible for paying the deductible amount on the policy out of pocket. Depending on the policy, the claim could even be denied.

State Police Commissioner Tyree C. Blocker also noted state law prohibits the use of consumer and display fireworks without a permit, which is issued by the local municipality where the display is taking place.

Fire Commissioner Tim Solobay encourages celebrating the Fourth of July by leaving the firework shows to the professionals to prevent both injures and property damage.

View more Consumer Alerts.