成都雷诺氏症做手术多少钱(成都治疗老烂腿科哪里医院好) (今日更新中)

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

Amid movements such as “Me Too” and “Times Up," WalletHub has determined the best and worst states in America for women.According to WalletHub, although women make up 51 percent of the U.S. population, only 22 percent of U.S. Senators are women while only 19.3 percent of the House of Representatives is made up of women.To rank states, the site compared all 50 states and the District of Columbia across 23 indicators of living standards for women.RELATED: WalletHub ranks best and worst states for military retireesCalifornia didn’t rank as high on the list as some may think, coming in 19th overall.California also came in 23rd in the women’s economic and social well-being rank and 12th for women’s health and safety. Overall the best state for women was Minnesota and the worst was Louisiana.Below are the top five best states for women in 2018:  879

An 87-year-old grandmother using a knife to cut dandelions in the woods near her rural Georgia home last week was taken down by a police Taser and arrested, according to a police report.Martha Al-Bishara was arrested for criminal trespass and obstruction of a police officer, according to the report. Chatsworth Police said Al-Bishara did not drop a steak knife despite several commands and a demonstration by officers. At one point, she walked toward officers with the knife, police said.Police had gone to a wooded area near a Boys and Girls Club last Friday after an employee called 911 to report that an elderly woman was walking around with a knife in the community, around 80 miles north of Atlanta."There's a lady walking on the bike trails, she has a knife and she won't leave," the caller told a dispatcher. "She told me she doesn't speak English, and she's walking up the trail with a knife towards me.""It looks like she's walking around looking for something, vegetation to cut down or something. She has a bag too," the caller said.The Boys and Girls Club employee told the dispatcher that the woman did not seem to be a threat. "But she came at you with a knife, though, right?" the dispatcher asked. "No, she just brought the knife onto the property in her hand, she didn't try and attack anybody or anything," the caller said. 1350

An elephant seal was safely returned to the waters with help from residents in Puerto Cisnes, Chile, and the Chilean Navy on Monday.According to Manuel Novoa, a presenter at Radio Autentica FM, residents of Puerto Cisnes, Chile, were surprised when they spotted an elephant seal roaming their town's streets.In a press release, Puerto Cisnes Police Captain Christian Reyes Jofré said that it's "completely normal" to see the seals outside their natural habitat in that area this time of year."Thanks to the citizens who participated and helped in the safeguarding of the return journey to the sea of the sea elephant that entered the streets of the town," Cpt. Jofré said in the news release.Cpt. Jofré said the seal returned to the sea on Monday. 755

An unpublished report that was obtained by the nonprofit newsroom Center for Public Integrity, prepared for the White House Coronavirus Task Force, recommends that 18 states consider rolling back reopening.The 359-page document detailed the states as a "red zone" because they had more than 100 new cases per 100,000 population last week. The report recommends that states should have citizens wear a mask at all times, practice social distancing, states should close all bars and gyms, and limit social gatherings to 10 people.The following states should consider scaling back reopening plans, according to CPI:AlabamaArkansasArizonaCaliforniaFloridaGeorgiaIowaIdahoKansasLouisianaMississippiNorth CarolinaNevadaOklahomaSouth CarolinaTennesseeTexasUtahTo read more of the report obtained by the Center for Public Integrity, click here. 844

来源：资阳报