Top 4th of July Insurance Claims — and How to Avoid Them

The 4th of July is a time to celebrate with family, fireworks, and freedom — but for many insurance companies, it’s also one of the busiest times of the year. From grill fires to firework injuries and boating accidents, this holiday brings a spike in claims that can easily be avoided with a little planning and precaution.

Here at Ellen Fenton & Company, we believe in protecting what matters most. So before the sparklers are lit and the burgers are flipped, let’s take a look at the top Independence Day insurance claims — and what you can do to avoid them.

1. Firework-Related Property Damage

Claim Type: Homeowners / Auto

What Happens: Fireworks land on roofs, ignite landscaping, or damage vehicles nearby.

Real Story: In Long Island, NY (July 2024), an 11-year-old accidentally set two houses on fire while handling fireworks. Another man lost three fingers in a separate incident — one of several firework-related injuries reported in the area. (Source)

Prevention Tip:

• Keep fireworks away from homes, garages, vehicles, and dry brush.

• Always supervise children and never use illegal fireworks.

• Have a hose, bucket of water, or fire extinguisher nearby.

Grill Fires

Claim Type: Homeowners

What Happens: A grease flare-up or unattended grill causes fire damage to decks, siding, and patios.

Prevention Tip:

• Grill at least 10 feet away from your house or overhang.

• Never leave the grill unattended — and clean it regularly to avoid flare-ups.

• Check propane connections before use.

Boating Accidents

Claim Type: Boat / Watercraft Insurance

What Happens: Collisions, capsizing, or injuries spike due to increased traffic and alcohol consumption on the water.

Prevention Tip:

• Appoint a sober captain — no drinking while driving a boat.

• Make sure everyone wears a life jacket.

• Double-check that your watercraft policy is active and up to date.

Firework & Sparkler Injuries

Claim Type: Health / Personal Liability

What Happens: Burns from fireworks and sparklers, especially in children.

Nationwide Stats: The U.S. Consumer Product Safety Commission reported 9,700 ER visits in 2023 due to fireworks injuries. The National Fire Protection Association logged 31,300 fires caused by fireworks in 2022 — resulting in $109 million in property damage. (Source)

Prevention Tip:

• Keep sparklers out of the hands of young children (they burn at over 1,200°F!).

• Use fireworks legally and responsibly.

• Have a first-aid kit on hand for minor burns and injuries.

Final Reminder: Check Your Coverage

Before the party starts, take a moment to review your homeowners, auto, boat, or umbrella insurance policies. Understanding what’s covered can make a big difference if something unexpected happens.

If you're unsure where your coverage stands, don’t wait. Give our team a call or stop by the office — we’re here to help you celebrate safely and confidently.

Wishing you a fun, festive, and fully protected 4th of July.

– The Ellen Fenton & Company Team