New Year’s Eve is a time of celebration, hope, and reflection. For many Florida families fireworks are an essential part of welcoming the new year. However, with beauty comes responsibility. Each year, improper handling leads to preventable accidents. Ensuring your family, property, and finances are protected during these celebrations is essential—and American US Insurance is here to help.
Why Fireworks Are Integral to New Year’s Celebrations
Fireworks have been a global tradition for centuries, representing new beginnings. In South Florida, their vibrant displays are a hallmark of the season. Yet, mishandling fireworks can lead to accidents, injuries, and costly damages. Having the right insurance coverage in place can alleviate these risks.
Fireworks Laws in Miami-Dade, Broward, and Palm Beach Counties
Understanding local regulations is essential to ensure a safe celebration and avoid liabilities.
Miami-Dade County Fireworks Laws
Miami-Dade permits personal use of sparklers and fountains but restricts aerial fireworks and firecrackers. Legal compliance can prevent fines and ensure smoother claims should accidents occur.
Broward County’s Regulations
Broward County allows non-explosive fireworks, emphasizing permits for aerial displays. Violations could affect your ability to claim damages.
Palm Beach County Guidelines
Palm Beach County encourages safe public displays over personal use, which reduces risks and often lowers insurance liability concerns.
The High Costs of Firework Accidents
- NFPA Data: Fireworks cause 19,500 fires annually, with over $100 million in property damages.
- CPSC Reports: In 2022, nearly 10% of firework injuries led to hospitalizations, highlighting the severity of risks.
Fireworks Safety Tips and Insurance Implications
Fireworks safety isn’t just about physical precautions—it’s also about financial protection. At American US Insurance, we understand that accidents happen. Following these tips helps reduce risks while ensuring your insurance policy works effectively for you.
- Keep a Safe Distance: Protect your property and guests by maintaining safe lighting areas. If an accident occurs, your homeowners insurance with American US Insurance can step in.
- Supervise Children: Fireworks-related injuries to minors can lead to liability claims. Liability coverage ensures you’re not facing financial stress.
- Dispose of Fireworks Properly: Improper disposal could lead to fires, where your homeowners policy may provide assistance.
The Role of Insurance During Firework Season
At American US Insurance, we pride ourselves on protecting our clients in every season. Whether it’s safeguarding your home, rental property, or family, our customized insurance policies are designed to address your unique needs, especially during high-risk times like New Year’s Eve.
Homeowners Insurance
Covers firework-related property damage and fire losses. Review your policy with us to ensure you’re adequately covered.
Renters Insurance
If a neighbor’s fireworks damage your rented home, our renters' policies can protect your belongings.
Liability Coverage
Liability coverage from American US Insurance helps cover medical expenses and legal fees if a guest is injured on your property.
Trusted Resources for Safety
- NFPA Fireworks Safety: https://www.nfpa.org
- CPSC Fireworks Report: https://www.cpsc.gov
Why Choose American US Insurance?
When it comes to celebrating safely, having reliable insurance is a must. At American US Insurance, we go beyond offering policies—we provide peace of mind. Contact us today for a free review of your coverage and ensure a stress-free New Year’s Eve!