Beware of sparklers - damage is not covered by the insurance

Damage from the exploding fireworks are normally covered by your fire insurance. But beware of the kids and their sparklers. The insurance covers not the damage, caused by sparks from the sparklers, as, for example, jumps out on the carpet or korkgulvet and gives ugly, black spots, ell.etc.

Brandforsikringen only covers damages by fire, that spread with the flames, as for example when a candle topples over. But the insurance does not cover damage to house and household contents caused by sparks from a sparkler. The kind of damage is not covered by husforsikringen or indboforsikringen.

the fire insurance of the property

If you lose stjernekasteren, or if a spark jumps across into the curtain and put the whole house in fire cover brandforsikringen to return. And it makes the also, if a bordbombe explodes, and there occurs a fire or other damage to your home.

Brandforsikringen covers namely the explosions, and it means that the damage will also be covered if they are caused by a bordbombe, which explodes slightly more violently than planned.

Brandforsikringen also covers, if the neighbor's children throw a firecracker in your mailbox, so that it burst in pieces, or if one of your nytårsgæster is the fault of the fire or fireworks-explosions in your house.

Good advice on the use of fireworks

Place the fireworks safely and turn on. Hurry you away.

never Go back to a dud.Always use goggles. Both children and adults - even if you just look at.Store your fireworks in a bag, when you go around. Put it never in the pockets.Never throw fireworks, after the other. It is dangerous and you can even come to pay compensation if it goes wrong.Keep you from homemade fireworks. It goes wrong - you will in addition to the lost fingers ft.m. - do not get compensation, since you after the insurance company's opinion, has shown gross negligence.Booze and fireworks is a bad combination. It goes wrong, you can hurt yourself and others. Here you will get not help from your own insurance, but must pay the damages you cause.Select the evening's chief pyrotechnician before the party starts and the prizes him/her on the best show after the success of the fireworks.

Source: Forsikringsoplysningen

Do you throw used fireworks in the trash?

You must behave the right kvajet, if it is to go beyond brandforsikringens coverage.

But in very serious cases compensation can be reduced by up to 15-20 percent.

for example, If you get injuries on the indboet or the house, because you have fired a firecracker of inside in your house, or have fired a rocket 10 feet from your thatched roof, so the replacement will be reduced.

You can, in the worst case a risk that the compensation for the damaged household contents completely void if you have listed the you to be very irresponsible.

Avoid your house burning

No examples from the Board of appeal

There are no orders of the court in recent cases of injuries from fireworks in the house or belongings of the Board of appeal for Insurance. Thus, there is not someone who has complained about insurers ' decisions in such matters.

It indicates that people are aware that they themselves must assume part of the responsibility for damage to the house or indboet, if they are caused by the careless use of fireworks.

Clearances, when you fire the fireworks

It is prohibited to launch rockets within 200 metres of:

Nåletræsbevoksning, heather-covered land, or other flammable vegetation.Buildings with thatched roofs or other easily flammable roofs, haystacks or other warehouses of flammable materials.Agricultural buildings with livestock, hundekenneler and other animal husbandry, as well as the areas with the outgoing animals.If there is another fireworks than rockets, is the separation distance of 100 metres.You must also not firing rockets within 10 metres of the gates, doors, windows and other openings in the buildings.Please be aware that fires you on the fireworks including rockets - in the wind's direction, you must double the distances listed above.

Source: www.politi.dk/

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