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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

An attorney for Siraj Wahhaj said he has seen no evidence to support the allegation that his client's children were being trained on a New Mexico compound to carry out school shootings.Wahhaj was one of five adults arrested on August 3 on the compound outside of Taos following the discovery of 11 malnourished children -- nine of whom were Wahhaj's. The five adults each face 11 counts of child abuse.The remains of a young boy were found on the compound on August 6, but it's still not clear if they belong to Wahhaj's missing son, Abdul-Ghani.In court documents, New Mexico prosecutors said the adults were training the children to commit school shootings. But Wahhaj's lawyer, Thomas Clark, said that he has seen nothing in evidence so far to support the accusation.If anything, the children were trained to protect the compound, Clark said.Wahhaj and his four co-defendants are scheduled to appear in a Taos courtroom Monday afternoon for a preliminary hearing.The-CNN-Wire 986

ARCADIA, Calif. (AP) — A 3-year-old gelding was fatally injured in the fifth race at Santa Anita on Saturday, becoming the 34th horse to die at the track since December.According to a statement from track owner The Stronach Group, jockey Ruben Fuentes pulled up Satchel Paige at the three-eighths pole of the 6 1/2-furlong sprint. Track veterinarian Dr. Dana Stead saw that the gelding had sustained an open fracture of his left front ankle and decided to euthanize him.Fuentes wasn't injured in the ,000 race featuring horses that had yet to win.Dr. Dionne Benson, chief vet for The Stronach Group, said the gelding will undergo a required necropsy at UC Davis. She said the accident and necropsy report will be reviewed "to learn what, if anything, could have been to prevent the accident."Benson said Santa Anita will work with the California Horse Racing Board to investigate the accident.Trained by Phil D'Amato, Satchel Paige was winless in six career starts, with one second and one third-place finish. He had career earnings of ,002.He was bred and owned by retired luxury car dealer Nick Alexander, chairman of the Thoroughbred Owners of California, which represents the collective interests of owners in the state and works to preserve the sport's long-term viability.Santa Anita is set to host the Breeders' Cup world championships for a record 10th time on Nov. 1-2. 1392

Arlina Allen is a life-recovery coach and podcaster. She’s been sober for 26 years. From her experience, she says the holiday season is often challenging for people recovering from addiction.“I would experience situations or triggers that I didn’t know how to handle," Allen said. "Like nobody plans to get triggered, but once you have an emotional response to a situation, if you are not prepared and you don’t have tools, it’s very difficult to choose wisely. Like my compulsive choice was to reach for a drink or a bong hit.”She says connecting with others who have shared similar trauma experiences is essential in the recovery process. That’s why she plans to attend a holiday fellowship marathon on New Year's Eve and New Year's Day offered for free by Lionrock Recovery.“For me personally, Lionrock is my revenge against addiction that took my sister and almost took one of my children,” said Lionrock Recovery Co-founder and CEO Peter Loeb.Father Peter Loeb and daughter Ashley Loeb Blassingame are co-founders of Lionrock. Ashley’s been sober for 15 years and she says she’s here to set an example of what sobriety can be.“Holidays are traditionally tough for anyone in recovery, not least because these occasions typically involve alcohol. In fact, CDC numbers show that December is the most dangerous time of year for drug and alcohol-related deaths”They’re determined to help people looking for recovery – which is why they offer the 15-hour marathon every year, all done virtually.“We were telehealth from the very beginning," Loeb said. "People got to laugh at us for many years before, in the last really year, telehealth has gone mainstream.”Run by Lionrock staff, the marathon isn’t only for people struggling with addiction. Loeb says it’s available for anyone feeling lonely or with mental health struggles. All you have to do is visit lionrock.life online. The entire day is filled with fellowship and activities.“Mindfulness meditation, a documentary about Chris Herren who is in recovery, coffee by the campfire, a painting activity,” Loeb listed.Loeb Blassingame says recovery, alcoholism, addiction or any kind of mental health illness thrives in isolation, which has made 2020 even more difficult.“The people who are staying sober and staying well are the ones who are connected by some sort of community where there is some sort of anchor," Loeb Blassingame said. "And the ones who are falling off are the ones who are passing away or the ones who are relapsing.”What fuels Arlina’s podcast is the power of people sharing their stories and opening their hearts.“When someone is vulnerable and speaks from their heart, that is a language that passes all boundaries," Allen said. "We get connected and suddenly we feel like we’re not alone or we’re not that different.”It’s a battle that’s so hard. Both Allen and Ashley Loeb Blassingame fully understand that battle. However, there is hope for change.“I am encouraging people to focus on the solution, find connection in any way you can, and put one foot in front of the other whatever that looks like,” Loeb Blassingame said. 3109

As a number of students across the country head back to school remotely, many children are getting online for their classes every day. But school districts across the country are approaching the use of computer cameras differently."One of the things we're so worried about our kids missing out on is oxytocin. I know we don't think about it that way but that's the chemical we get when we get to be with or see or hear people that are important to us. The feeling of connectivity, that feeling of being okay is really benefited by seeing faces," said Dr. Deborah Gilboa, a family physician and youth development expert also known as "Doctor G" who has created an e-course for parents and educators to help them navigate back to school virtually. Dr. G says if schools have the secure, virtual platforms for live classroom learning, students should turn their cameras on so teachers and other students can see them.As for whether having your camera on or off during class can be appropriate depending on a child's age, Dr G says "parents are experts of their own kids and there may be individual instances where it would be valuable for a child in certain situations to leave their camera off."Dr. G says parents and teachers have a lot more to fear from kids disengaging than engaging uncomfortably. "Middle school is an uncomfortable experience for almost everyone. And I don't mean to diminish that at all but uncomfortable is not the same as unsafe. Helping our kids navigate more uncomfortable situations is often more valuable than protecting them from uncomfortable situations," said Dr. G.At Sanger Unified School District in California, administrators recommend their 12,000 students leave their cameras on when in their virtual classrooms but it's not required."The students do have somewhat of a choice to do that and we know some of our low socio-economic status students, sometimes they're just a little concerned with the background or there’s a lot going on they don't want to show. Or it could be, I don't want someone looking into my bedroom," said Tim Lopez, the Associate Superintendent of Educational Services at Sanger Unified. Lopez says the district is moving to a new virtual learning platform that will allow students to create a virtual background. He believes that and the optional cameras helps level the playing field among students while they're learning from home."There's other things like bandwidth. I've noticed even in my own meetings with adults, they're going on and off and it's like, 'Hey, turn your camera off so we can just listen to what you have to say,'" said Lopez. Whether students' cameras are on or off, both Sanger Unified and Dr. G say teachers will be prepared to ensure students are paying attention in class."I think that our teachers have learned a ton in the last six months about virtual classroom management, just like they spent a lot of time at school learning about in-person classroom management. Mostly, parents don't need to jump in to this conversation unless the teacher asks us to," said Dr. G.Navigating a new digital classroom with brand new online expectations. 3137