Payton Agency Blog
If you haven't heard yet, PA has new fireworks law. The new law could affect your policy more than before. In 2016, at least four people died and about 11,100 were injured badly enough to require medical treatment after fireworks-related incidents, according to the U.S. Consumer Product Safety Commission. More fires are reported on July 4 than any other day of the year. On a typical Fourth of July, fireworks account for two out of five of all reported fires, according to the National Fire Protection Association. Each year, fireworks cause on average 1,300 structure fires, 300 vehicle fires and nearly 17,000 other fires resulting in thousands of injuries.
How will the new law affect my policy?
The simple answer is, the more fireworks are available, the higher chances for something happening in your backyard or neighbor's yard. As more people have access to fireworks, and bigger,ones, the chances of them being managed by someone that may not be as responsible as others go up. Since fire, building, vehicles and people typically don't mix well, polices that involve coverage of those entities would be affected. Now, submitting a claim against your policy isn't always a tell sign of your rate going up, but it can be a good indication if the loss amount is above your companies threshold.
Am I covered?
Always check with your agent and know what coverage is included in your policy. Your agent can help explain what is missing, if anything, in your policy. Remember, you can not ask for coverage after a loss. It is important to know what you have and review your policies with your agent at least once a year.
What to do in case of a firework mishap?
First, call 911 or the local authorities. Make sure everyone is safe! You have time to contact your insurance agent. Most claims are submitted in the following days of a mishap, but what you can do it take a ton of pictures. pictures help the agent and adjusters know what things looked like in the aftermath of the incident. Make sure
Firework Safety Tips from the National Safety Council
If fireworks are legal to buy where you live and you choose to use them, be sure to follow the following safety tips:
HAPPY 4th of JULY!!