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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

YOSEMITE NATIONAL PARK, Calif. (AP) — No employee or resident has tested positive at Yosemite National Park's health clinic, and no visitors have reported being sick since the park began reopening last month, but tests of the park's raw sewage have confirmed the presence of the virus. Dozens of people are believed to have been infected. The public health officer for Mariposa County, who is overseeing coronavirus testing in the Yosemite area, said the emergence of the coronavirus will not likely lead to policy changes because the park is already following local and state restrictions. Eric Sergienko said he believes the confirmed presence of the virus in Yosemite will make people more vigilant. 710

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Zoom says issues that caused partial outages with hosting meetings and webinars on Monday morning have been resolved."Everything should be working properly now! We are continuing to monitor the situation," the company said in a tweet just after noon on Monday. "Thank you all for your patience and our sincere apologies for disrupting your day."At of about 9 a.m. ET, Down Detector — a website that crowdsourced potential service issues with websites, apps and mass communication systems — reported that Zoom was experiencing issues in several major east coast cities. 576

With temperatures soaring into triple digits before noon, parking in downtown Palm Springs, California, usually comes at a premium.For the past few months, however, parking is actually pretty easy to find.City leaders stopped enforcing parking violations in mid-March and El Patron restaurant manager Miguel Espinola is hoping to cash in.“The extra money (customers) were going to spend on the parking lot, and I think they can spend it on an extra margarita or a cup of coffee,” he said. Parking citations generate money for the city’s general fund.“Obviously parking is important for a tourism destination like Palm Springs,” said Palm Springs city manager David Ready.He says the Palm Springs has lost about ,000 since early April.While the loss isn’t terrible, Ready says the cost is an indicator of a much bigger problem.“Because of our tourist economy, we’ve taken a hit of almost million to million that we’ve had to cut out of our budget,” he said.Other cities across the country are losing a lot more money by not handing out parking tickets during the pandemic.In Denver, city leaders say parking citation revenue is down nearly million compared to this time last year. Additionally, parking meter revenue was down almost million in the same time frame.In Miami Beach, those numbers are even higher -- with a combined loss of more than million.“When cities see their budgets being cut it means they cannot provide as many goods,” said Alex Padilla, a professor of economics at MSU Denver. He says moving forward, cities may have to find other ways to replace that revenue.“They might charge higher prices for public transportation,” Padilla said. “They might not provide things like fireworks.”Back in Palm Springs, Ready says the city had to cut parking enforcement positions to offset the cost of not issuing parking citations.“The reason parking has always been an issue to us is because it keeps the orderly flow of you know for our downtown economy,” he said.As Palm Springs faces another round of shutdowns, Ready says the city might not enforce parking citations until next year.“The last thing we want to do is give a tourist, someone who is coming to visit, us a parking ticket,” he said 2235

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