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ANZA, Calif. (KGTV) - Did you feel it? A 3.8 earthquake shook Southern California Monday morning.The quake happened about 10:44 a.m., 18 kilometers east-southeast of Anza, in Riverside County.10News received reports of shaking in Escondido, Spring Valley, and San Marcos.There are no reports of damage or injuries, according to Riverside County Sheriff's Deputy Armando Mu?oz.10News is monitoring breaking developments. 432

As many Americans face months on end stuck indoors, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.Tell your insurer about your plansThere’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform the company of your plans and clarify your policy’s current coverages and limits. If your home costs more to replace after you’ve improved it, some insurers will pay the new expense to rebuild, but “that’s not every policy, and it may not cover everything you need,” Griffin says. He also recommends once a year reviewing what your home insurance policy covers.In some cases, you may need to change carriers to get the coverage you need. Frank Jones, an independent agent and partner at Mints Insurance Agency in Millville, New Jersey, has seen clients switch insurers because an addition wasn’t covered. “It’s in your best interest to have these conversations now rather than to have a claim denied,” he says.A new desk and computer for remote learning, plus that monitor and chair in your home office will add up and could exceed your personal property coverage limit.Renters insurance policies cover your stuff, but they have limits too. If you have new electronics or office equipment, check with your insurer to make sure you have enough coverage for them.Make an inventory of your propertyTo help you know if you’ve exceeded your policy limits, keep records of what you buy. In fact, Griffin recommends taking inventory of your belongings every year — a written inventory is best, but even a simple smartphone video tour of your home will suffice.Losing a home is an emotional time, Griffin says. When it’s time to file a claim, “you don’t always remember what you have.” An inventory will clearly show what you had before a disaster and will make the claims process easier.Add sufficient coverageStructural changes, such as a full kitchen replacement or adding an in-ground pool, will have the greatest impact on your homeowners insurance. But even something as simple as adding a fence can change the value of your house, and if your home’s value increases, so should its dwelling coverage, Griffin says. Otherwise, in the event of a claim, your insurance policy won’t be enough to rebuild, according to Griffin.When adding coverage, pay attention to how much it would cost to rebuild your home, not how much you spent to upgrade the house, according to Jones. “These are two different numbers,” he explains. “If an addition costs ,000 to put on, the insurance company looks at the rebuild construction cost, and you might not get that back.”Avoid pitfallsOn top of ensuring coverage, a proactive conversation with your agent could help you avoid potential renovation pitfalls. For example, he or she may advise adding building ordinance coverage to protect you from having to pay out of pocket for any expenses that keep your home compliant with local laws and regulations.For renovation projects that are too big to take on yourself, hire a licensed and bonded contractor who carries builders risk coverage to protect expensive construction materials from theft or damage while they are on your property. You can find one through a building trade association.And when you’re doing a home renovation project, take plenty of photos — before, after, and along the way, if you’re able. These could come in handy if you file a claim and need to redo the work.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWallet4 Home Insurance Pitfalls to Avoid During Hurricane SeasonLosing Employee Life Insurance Due to Job Loss: What’s Next?How to Get Cash From Your Life Insurance PolicyBen Moore is a writer at NerdWallet. Email: bmoore@nerdwallet.com. 4353

ANNAPOLIS, Md. (AP) — Fed up with dog poop being left around, board members at a Maryland condominium complex are now relying on DNA samples to police unscooped feces.Jeanne Fisher, the general manager for The Residence at Park Place Condominium, tells The Capital newspaper that she came across "doggie DNA" as an option when residents began complaining about unscooped poop.The Annapolis complex had tried emails, dog meetings, fines and a security camera in the dog park.The condo association spent about ,500 on pet DNA kits and about 20 owners began providing samples. Fisher says a sample is taken if someone hasn't cleaned up after their pet.If matched, a fine will be levied along with about in costs if the association decides to send a specimen to a lab for testing. 790

Apparently, the mysterious monolith in a remote area of southeast Utah wasn't that hard to find for at least one person and his crew.Dave Sparks, star of the Discovery Channel show "Diesel Brothers," was able to find the tall and shiny object earlier this week, days after officials in Utah announced its discovery.Sparks posted videos on his Instagram account from the undisclosed location.Sparks says the monolith is an "insanely creative piece of metal art." He also described how the monolith was most likely constructed in an Instagram video. 555

Anyone looking to buy an appliance may need to wait a while — due to the COVID-19 pandemic, some appliances are currently backordered for several weeks, even up to a few months.Tobie Stanger, a senior editor at Consumer Reports, says that anyone currently in the market for home appliances should be flexible."If you really need a refrigerator, they're out there, but you may not get what you want. So you'll have to be flexible," Stanger said.Consumer Reports has been around since 1936 and works to create a "fair" marketplace for all consumers. Stanger is an appliance expert and says some of the backlogs have to do with the pandemic and global factory shutdowns in the earlier part of the year.Add that to increased use of home appliances and increased demand, and you've got a problem."The companies are trying to ramp it up. They still, in sone cases, cannot find parts," Stanger said. "I have been told by one of our retailers that there are a couple of manufacturers that are not taking new orders until the end of September. So, they're trying, but it's a real grind."The Repair Association supports the aftermarket of "technology products" — anything with a computer chip. Gay Gordon-Byrne, the association's executive director, says the U.S. is overly reliant on China for all electronics."Everything from toys to tractors, refrigerators, cell phones, industrial controls — it is a massive problem if you can't fix that equipment," she said.Gordon-Byrne says that since things are backordered, there's a huge demand for repairs — which creates more problems."About 90% of the stuff on the market today can't be fixed — it either can't be fixed because it's made not to be fixed, or you can't fix it without the (original equipment manufacturer) because they want to make sure they're the only people that can fix it," Gordon-Byrne said.That means consumers are forced to buy new appliances — or, in this case, wait out the backlog.Gordon-Byrne suggests supporting independent, small appliance businesses and repair shops.Consumer Reports has similar advice."We recommend that, in addition to looking at the big box store, that you look at your local independent appliance dealer. They maybe have a reputation for not having as good a price, but we talked to many consumers who were able to get the independent to match the price," Stanger said.Matt Zieminski, a board member at The Repair Association, says not to ignore the refurbished option."There is actually a thriving refurbish effort right now where a repair shop will go around and pick up those units, take the effort to pick them up, clean them make them as good as new again and then resell them," Zieminski said.It may not be convenient, but the pandemic is forcing everyone to get creative and perhaps be patient to get what was once taken for granted. 2835