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Anthony Wall's night started at the prom with his sister, followed by a food stop at a Waffle House in North Carolina. While at the restaurant in Warsaw, he got into a heated argument with employees, who called the police.The ensuing incident Saturday was captured on cell phone video that was widely shared on Facebook. It shows an officer putting his hand around Wall's neck and shoving him up against a glass wall as he tries to arrest him. 451
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
As a planned peace summit between the United States and North Korea appears to be in peril, a department of the Trump administration reportedly issued a collectable coin commemorating the yet-to-happen meeting.According to the New York Times, the coins were commissioned by the White House Communications — a subset of the Department of Defense that handles military communications for the White House. The coin depicts silhouettes of President Trump and North Korea's Kim Jong Un.The White House denied having any input into the design or manufacture of the coin on Monday, adding that the coins are only ordered "after a trip has been publicly announced."Critics called the release of the coins "gross," others added that referring to Kim Jong Un as North Korea's "Supreme Leader" felt inappropriate given the country's human rights abuses. 888
Anthony Mele was dining at a steakhouse in Southern California with his daughter on his lap when a homeless man allegedly walked up to him Wednesday and stabbed him in the neck.Jamal Jackson, 49, was arrested shortly after the attack in Ventura and has been charged with premeditated first -degree murder, the Ventura County District Attorney's Office said.Mele died the next day, but his daughter was not injured. The two men did not know each other, the Ventura Police Department said. 495
An operation is underway to evacuate thousands of tourists after a deadly earthquake that rocked some of Indonesia's most idyllic islands late Sunday night.At least 98 people, all Indonesian nationals, were killed when the 6.9 magnitude quake struck the popular tourist island of Lombok, Indonesian authorities said Monday. More than 200 were also injured.The majority of those killed in the quake were hit by falling debris from collapsing buildings, said Sutopo Purwo Nugroho, the head of Indonesia's disaster management department.In total, an estimated 20,000 people have been displaced by the massive earthquake, Nugroho said.Dramatic video tweeted by authorities showed hundreds of people, many believed to be foreign vacationers, crammed onto a beach on the island of Gili Trawangan as evacuation measures got underway.Emergency personnel were racing to evacuate thousands of tourists from the three small Gili Islands as night began to fall. The islands, famous for their white sandy beaches and clear waters, are located near the epicenter of the quake on Lombok.Earlier rescue efforts were hampered by shallow waters, but rising sea waters mean nine ships are now expected to dock on the islands.So far, up to 2,700 tourists have been moved from the Gili Islands, according to Nugroho. He added that Lombok's airport was now open around the clock and had significantly increased its flight schedule.The epicenter of the quake was in northern Lombok, a more residential, less developed part of the island. The majority of Lombok's tourist resorts are on the island's southern coast.British tourist Mike Bennett, stranded on the island of Gili Meno along with around 100 other people, told CNN he faced an anxious night ahead."It's getting dark now," he said. "There's no power, there's no water, we're going to hold out and just see what happens tomorrow." 1879