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Fireworks: Proceed with Caution

Everyone knows fireworks can be fun, especially this time of year, but a lot of people don’t take into account the negative repercussions those pyrotechnic devices can bring.

Everyone knows fireworks can be fun, especially this time of year, but a lot of people don’t take into account the negative repercussions those pyrotechnic devices can bring.

The first problem: They're illegal in New Jersey along with many other states in the U.S. If you’re caught selling, owning or using fireworks within a state in which they’re illegal, you’ll undergo certain penalties determined by your state.

Besides the legal aspect, you always run the risk of someone getting hurt or property being damaged by using fireworks. A few people setting off fireworks in your backyard for summer fun could result in damage to your home, damage to your neighbor’s home or someone in the vicinity getting seriously injured.

If such instances occur, you could be liable for repairs, medical expenses or even legal attorney fees to defend yourself in a personal injury lawsuit case. That, in effect, means that there are a number of things at stake including:

  • Your savings
  • Equity in your home
  • Equity in your business
  • Your investments
  • A portion of your future earnings

Bottom line: Most illegal activities are not covered by insurance and will cost you a lot of money if something goes wrong.

Unfortunately for fireworks lovers living in states in which they're illegal, you cannot get insurance coverage for this unless you have a pyrotechnic operator's license. But even with that license, coverage is likely very expensive.

If fireworks are legal in your state, you should check your home insurance and personal umbrella liability policy exclusions very carefully, as coverage may still not be there for you.

Fireworks fans beware...

This post is contributed by a community member. The views expressed in this blog are those of the author and do not necessarily reflect those of Patch Media Corporation. Everyone is welcome to submit a post to Patch. If you'd like to post a blog, go here to get started.

Ryan Hardy June 25, 2012 at 02:57 PM
Legalize 'em! If people want to take those risks, that's their problem, and it's NOT for big brother to tell us "what's good for us"!
Common Sense in Silverton June 25, 2012 at 08:07 PM
Thank you for that logical and well thought out opinion Martin. Lacey Resident, you should feel terrible that you tried to think for yourself when the government should be doing it for you. Say you're sorry and give me all your fireworks.
jerseyswamps June 26, 2012 at 08:57 AM
How come some western states ban fireworks during hot dry weather?
Resident of Lacey July 02, 2012 at 04:33 PM
... some western states ban fireworks during hot dry weather due to the elevated risk of wild fires. Something that when New Jersey legalizes fireworks will be more easily enforced, and the steep fines will assist the communities greatly.
Resident of Lacey July 02, 2012 at 04:47 PM
I am sorry to hear about the losses experienced yet I would not blame the fireworks but the persons which discharged them. Had they been educated and taken the proper precautions I am sure that the event could have been prevented. Regrettably people die in car, boat and household accidents every day; should we also ban them? Should we ban water? Should we ban broken glass or perhaps all glass since you could get hurt with it if it breaks. Go back and read the post, I did not simply say to make them legal; there is a level of responsibility that needs to be adhered to. Even professional fireworks displays come with some level of risk.

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