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Local ordinances restricting fireworks use seem to be about as meaningful this time of year as the paper remnants of exploded firecrackers blowing down the street at twilight.

But while police are unlikely to nab someone for celebrating America's birthday early, it's a different story for insurance companies should a misdirected bottle rocket land on a roof and start a fire or if an errant jumping jack injures a bystander.

The Indiana Department of Insurance is reminding Hoosiers that their homeowners or renters insurance may not cover damage caused by a policyholder's illegal behavior, which can include using fireworks outside the days and hours set by local officials.

"It's important for Hoosiers to consider the consequences before using fireworks," said Stephen Robertson, Indiana insurance commissioner. "If someone using fireworks accidentally starts a fire, to their own property or that of their neighbors, they may not be able to turn to their insurance company for coverage."

According to the Indiana Department of Homeland Security, 61.3% of reported fireworks injuries during 2017 occurred on private property, where the owner could be liable for medical payments or other damages.