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Department Of Insurance Warns Hoosiers About Fireworks Damages


The Indiana Department of Insurance is warning Hoosiers that many insurance policies won’t cover fireworks damage unless they’re used legally.

Fireworks are governed by both state and local laws in Indiana. For instance, state statute says you can only set off fireworks at certain times of day – generally between 9 a.m. and 11 p.m. on non-holidays, though local ordinances can sometimes restrict it further.

READ MORE: Officials Urge Caution When Using Fireworks

And fireworks can only be set off on your private property, the private property of someone who gives the OK, or a special location designated for fireworks.

Violating any of those laws could mean your insurance won’t cover damages from fireworks.

Contact reporter Brandon at or follow him on Twitter at @brandonjsmith5.

Brandon Smith is excited to be working for public radio in Indiana. He has previously worked in public radio as a reporter and anchor in mid-Missouri for KBIA Radio out of Columbia. Prior to that, he worked for WSPY Radio in Plano, Illinois as a show host, reporter, producer and anchor. His first job in radio was in another state capitol, in Jefferson City, Missouri, as a reporter for three radio stations around Missouri. Brandon graduated from the University of Missouri-Columbia with a Bachelor of Journalism in 2010, with minors in political science and history. He was born and raised in Chicago.