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You’ve decorated the tree, put up the lights and placed a lit candle in every window. But the next thing you know, you smell smoke.Candle fires, stolen presents and other calamities can put an unwelcome damper on your seasonal cheer, but insurance can often help clean up the mess. Here are some common holiday disasters and how your homeowners insurance can come to the rescue.1. Decorations catch fire“Chestnuts roasting on an open fire” takes on a whole new meaning when the halls are decked with fire hazards. Dehydrated Christmas trees can go up in flames if placed too close to a heat source, and fires from candles make up half of December home decoration fires, according to the U.S. Fire Administration.Fire is covered in three main ways. Dwelling coverage pays for repairs to your home, while other structures coverage is for things like a detached garage or fence. Personal property coverage will pay to replace damaged belongings, up to your policy limits.To avoid festive fires, keep candles away from flammable objects, follow all manufacturer instructions for holiday lights outside and keep a real Christmas tree hydrated.2. Your identity gets stolenIf you’ve shopped online for holiday gifts this year, your credit card or bank account information may be at risk of getting stolen.Identity theft coverage can pay for out-of-pocket expenses related to identity theft or fraud. Some homeowners insurance policies automatically include this coverage for free, but you’ll probably have to add it to your policy.You can reduce the risk of identity theft from online shopping by avoiding unsecured networks and by purchasing from trusted stores — check for a privacy policy on the site and a padlock to the left of the URL. To protect yourself from potential data breaches, reenter account information with every purchase instead of allowing online vendors to store your information.3. Presents get stolenIf expensive holiday gifts go missing, don’t pout. Your personal property coverage covers items stolen from your home and car, up to your policy limits.To prevent any grinches from stealing holiday presents, avoid letting packages sit unattended and consider setting up a security camera system around your home. If you leave gifts in the car, tuck them away safely in the trunk, lock the doors and park in a well-lit location.If gifts are stolen, file a claim with your insurance company only if their value exceeds your deductible.4. A guest gets injuredSay you undercook the turkey and send relatives to the hospital. Maybe someone breaks a hip on your icy walkway, or the dog bites a guest. You could end up on the hook for their medical costs.The medical expense coverage in your home insurance policy pays to treat your sick or injured guests, no matter who’s legally responsible, while your personal liability coverage will cover you in case they decide to sue.Because of the pandemic, you may be skipping holiday gatherings entirely this year. But if you do host guests, make sure you abide by the guidelines for small gatherings from the Centers for Disease Control and Prevention, or CDC, which include wearing face masks and practicing social distancing.5. A water pipe burstsIf a pipe gets cold enough, water freezes and expands inside, increasing the chance of a burst. Water damage from burst pipes is generally covered by home insurance, but check the fine print in your policy, as you’re covered only if the burst is accidental and not due to poor maintenance.To avoid damage, watch for warning signs of frozen pipes, such as low water pressure or frost on the outside of the pipe. To offset the chance of a water burst:Keep your home’s thermostat set to a minimum of 55 degrees.Open kitchen- and bathroom-sink cabinets to allow for circulation of warmer air.Let water drip from faucets to relieve water pressure.More From NerdWalletGot Life Insurance? You May Not Have EnoughBought a Pricey Present? Here’s How to Insure ItLife Insurance Shoppers Lose Interest When COVID-19 Cases DropBen Moore writes for NerdWallet. Email: bmoore@nerdwallet.com. 4088

but Abigail Williams, Liberty German and the man who murdered them. February 13, 2017:Abby and Libby were dropped off at the trail near Delphi’s scenic Monon High Bridge, an abandoned railroad bridge over Deer Creek. Hours later, when they failed to meet their ride home at that same location it would kick off a series of events that would forever change the tiny town of Delphi, Indiana. Despite having a video, audio and two sketches from potential witnesses in the area, investigators have yet to find the man responsible for their murders. "(We) thought we were going to get the clues that we needed and be done with this in four or five days," Indiana State Police (ISP) Detective Jerry Holeman told WRTV in 2019. "We realized that this is a totally different type of investigation.”But a killer is still out there. ISP Sgt. Kim Riley says investigators have interviewed over 1,000 people, including possible witnesses, suspects and anyone who may have information about suspicious activity on the day the girls went missing. To this day, he says between six and eight people work on Abby and Libby's case each day throughout the week. But despite all of the evidence released to the public, investigators have always been open about the fact that they are holding some of it close to their vests with the goal of having information that only the killer would know when they finally arrest him. Three years in, here's everything we know about the investigation into the murders of Abby and Libby: 1506

One resident in Sarpy County, Nebraska, reported several drones flying in unison last week."Most interesting part is that the drones were flying in the night. People don't know what they are doing there. No feedback from federal agencies, local government and no one really knows what's going on there," said Victor Huang, an assistant professor at the Aviation Institute at the University of Nebraska Omaha.Drones are complex and extremely advanced. They can be used for for film making, emergency services and agricultural monitoring."The drone, similar to our computer systems, it can really do a lot of things. To me, the only limitation is your imagination," Huang said.But no one, not even the Federal Aviation Administration, knows what these drones are doing except that they're flying in a pattern, they're large and there's many of them."They don't know if it's illegal or not because right now there's no way of knowing what is up there," KMTV pilot Justin Enos said.Based on flight patterns and altitude, experts believe it could be some sort of agricultural monitoring. Regardless, the fact that no one can account for them is frightening residents. Some have even talked about shooting the drones down, but that's not a good idea. The mystery drones are reportedly up to six feet in length. If the drones happen to weigh more than 55 pounds, they technically could be considered to be aircraft."If that's a legal registered drone, if you shoot it down, you are essentially shooting an aircraft down. So that is definitely illegal," Huang said."Registered or not, it's going to be dangerous. The batteries on these things are very flammable," Enos said.Enos believes if it's agricultural information the people behind the drones are after, the general public shouldn't be too worried."I think people are concerned, especially people that aren't familiar with drones and the technology," Enos said.The Nebraska State Patrol tweeted Monday that they are working with several sheriff's offices, local police departments and federal authorities to figure out who is behind the drone activity.The FAA has also stated they are aware of the sightings and are investigating.This story was originally published 2217

is spending her days making the lives of sick children a little bit brighter.Rebecca Herbert is known as “the doll lady.” She spends her days cutting felt and hand-sewing little crafts to give to children at area hospitals. “This is what I do. It’s my pastime, “ Herbert said. She got the idea from her late husband. He was a physicist who worked in hospitals, specifically in radiation. “He said I wish you had made those when I had my little patients. He used to tell me how brave these kids were, “ Herbert explained. 525

You’ve heard the presidential candidates fight it out. We’ll probably keep hearing from them for quite a while, no matter what the result is.But if you kept voting down your ballot, you probably voted for representatives to your state government. And this year, some people thought more than a handful of statehouses could flip from one party to another.Across the country, Democrats had the chance to flip 10 statehouses on election night, but six of the 10 remained under GOP control, while four are still counting results and remain too close to call.“There are still states that are counting so I don’t think we’re going to know the final numbers, but from what I’ve seen so far, it doesn’t seem like Democrats are kind of getting the statehouse wins that they were hoping for. My best guess at this point is Republicans will control the majority of statehouses once all the vote are counted,” said Sarah Chattfield, a political science professor at the University of Denver.She’s been watching the statehouse races.Statehouses have a ton of impact on state laws, budgets for important programs and schools, and they draw the lines for election districts every 10 years.“This year, we all just finished out the census and as a result of that, states are going to be redrawing their legislative districts. Some states do that with an independent commission, but the most common way is the state legislature redraws those districts,” said Chattfield.Every 10 years in the US, we redraw our legislative districts based on population. In many states, it becomes political.“If your party is in control of the state legislature, you can then draw districts to benefit your party,”So, the stakes were extra high this year. But in addition to redistricting, states control the state laws that impact the people in their states from speeding tickets to abortion to school funding to election laws, which we are seeing have a very real impact on the presidential race.“A huge amount of variation across the states in whether you’re in an all-mail state, or states where there’s very little absentee balloting and people have to show up. All of those are things that states are able to control,” said Chattfield.The impacts from the 2020 election across statehouses will shape the futures of many Americans for about a decade to come. 2335

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