How Oregon Homeowners Insurance can protect you from firework damage

As summer celebrations ramp up across Oregon, fireworks often play a major role in the fun. But with the beauty of fireworks comes real risk—especially during Oregon’s increasingly dry wildfire seasons. At Elliott, Powell, Baden & Baker, we want to ensure you’re not only enjoying your festivities, but also staying safe and protecting what matters most—your home, family, and community.

Fireworks and Fire Risk in Oregon

Oregon law allows the sale and use of legal fireworks from June 23 through July 6. These include fountains, flitter sparklers, ground spinners, and wheels. However, fireworks that explode, fly into the air, or behave unpredictably—such as bottle rockets, Roman candles, and firecrackers—are illegal in Oregon, even if purchased out of state.

Given the increasing threat of wildfires—especially in the drier regions of our state—many counties and cities in Oregon enforce additional restrictions, or full bans, regardless of what’s allowed at the state level.

 Safety Tips for Fireworks Use in Oregon

• Use only Oregon-legal fireworks, and purchase them from licensed vendors.
• Never use fireworks on or near dry grass, trees, or structures.
• Keep a bucket of water or hose nearby in case of fire.
• Supervise children closely and never allow unsupervised use.
• Avoid lighting fireworks on windy days.
• Dispose of used fireworks in a bucket of water overnight before discarding.

Is Fire Damage Covered by Insurance?

In most cases, homeowners insurance policies in Oregon do cover fire damage, including accidental fires caused by fireworks—as long as the fireworks used are legal. If illegal fireworks are involved, your coverage could be denied. That’s why it’s critical to know and follow Oregon regulations.

1. Dwelling Coverage: This part of your policy typically covers damage to the structure of your home. For example, if a legal firework, such as a wayward firework, lands on your roof and causes a fire that damages your home, this coverage would usually apply.
2. Personal Property Coverage: This policy covers your personal belongings inside the home. If a fire caused by legal fireworks damages your personal property, this coverage can help pay for the replacement or repair of those items.
3. Liability Coverage:  If a guest or neighbor suffers an injury caused by unintentional actions involving fireworks, your policy’s liability coverage may help cover medical expenses and legal fees if necessary. 
4. Exclusions and Limitations:  Homeowners insurance policies have exclusions or limitations. Always refer to your insurance contract for these items.  Examples of exclusions could include illegal acts or injury to a resident or family member.

 Contact our team to review your homeowners insurance policy. This proactive step will empower you with the knowledge of what is and isn’t covered regarding fireworks-related damage, giving you peace of mind so you can relax and celebrate safely this holiday.