NASHVILLE — During the upcoming New Year’s Eve and New Year’s Day holidays (Dec. 31, 2021 and Jan. 1, 2022), the Tennessee Department of Commerce & Insurance (TDCI) and the Tennessee State Fire Marshal’s Office remind Tennesseans to consider the financial and physical risks that can arise from a fireworks-related mishap.

In 2021, fireworks were responsible for starting 189 fires and causing over $2.1 million in property damages. Consumers should remember that accidental fires or damages caused by fireworks in a Tennessee municipality that bans fireworks may not be covered by traditional homeowners or renters insurance policies thus putting the financial burden of making repairs solely on the shoulders of consumers.

“During the New Year's holiday, I urge Tennesseans not to risk starting a fire or injuring themselves and adding to the burdens of our hard-working emergency and medical personnel,” said Assistant Commissioner for Fire Prevention Gary Farley. “As a former firefighter, I know the risks to the health and safety of your family are not worth it. Celebrate the holiday safely by thinking of others and not pursuing risky behavior that can lead to an injury or death.

Heading into the new year, TDCI reminds consumers to remember the risks that come from consumer fireworks.

Know the Financial, Legal, and Safety Risks from Fireworks

Many insurance policies contain provisions disclaiming coverage for illegal acts committed by the insured. However, consumers who experience property damage due to another person’s use of fireworks may be able to claim benefits under their homeowners or renters policy. Several counties and cities in the Volunteer State have ordinances and restrictions related to fireworks usage.

Before purchasing or detonating fireworks, TDCI urges residents to check with their local police or fire department to determine local laws about fireworks.

In addition to local laws, Tennessee has several state laws pertaining to fireworks:

• Tennessee law prevents children under 16 from purchasing fireworks. Those who are 16 or 17 must present a photo ID to purchase them.
• State legislation passed in 2011 reclassified sky lanterns as special fireworks exclusively for use by individuals with a professional licens. The general public cannot purchase or use sky lanterns. If a sky lantern is found in the possession of someone who does not have a professional license issued by the SFMO, the device can be confiscated and destroyed.
• A law passed in 2015 prohibits flying a drone (unmanned aircraft) above an outdoor ticketed event with more than 100 people or flying it in the vicinity of a fireworks display site without the permission of the event operator.

If consumer fireworks are legal where you live in Tennessee and you decide to set them off on your own, be sure to follow these important safety tips:

• Never allow children to handle or ignite fireworks.
• Read and follow all warnings and instructions.
• Never place any part of your body directly over a firework device when lighting the fuse. Back up to a safe distance immediately after lighting fireworks.
• Wear eye protection.
• Be sure other people are out of range before lighting fireworks.
• Never throw or point fireworks at people or animals.
• Only light fireworks outdoors on a smooth, flat surface away from homes, dry leaves, and flammable materials.
• Never try to relight fireworks that have not fully functioned.
• Keep a bucket of water and a garden hose nearby in case of a malfunction or fire.
• Sparklers are not toys. When ignited, they can reach temperatures as high as 1,200° F, and stay hot long after they’ve burned out.

For more fire safety information, visit tn.gov/fire.

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