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And #022319CR1 UPDATE WE HAVE ONE VICTIM TRAPPED UNDER THIS SLIDE, Search K9 Teams from @SFFDPio @SSFFire pic.twitter.com/ZmP4LJA4xF— SAN FRANCISCO FIRE DEPARTMENT (@SFFDPIO) February 23, 2019 207

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 investigators piece together what caused the limo crash that killed 20 people in upstate New York, more details are coming out about the 17 passengers, who had gotten together to celebrate a birthday.Authorities have not released all of the victims names, but the close-knit group were newlyweds, artists, athletes and young parents. Four were sisters.The limo failed inspection. And the driver wasn't properly licensed."Everyone's lives were cut way too short, and I don't know what to say about it. It just hurts," Karina Halse told CNN on Monday while visiting the scene of the accident where her older sister, Amanda Halse, was killed.Here's what we know about the victims: 688

Approximately 44 million turkeys were Thanksgiving dinner in the United States last year, but on Tuesday at the White House, one lucky bird is going to be spared a similar fate.President Donald Trump will participate in the time-honored tradition of the turkey pardon, granting clemency to a bird in the White House Rose Garden before jetting off to Mar-a-Lago for a long holiday weekend.Hailing from South Dakota, this year's pardon contestants are Peas and Carrots. The poultry pair's journey to Washington was a veritable gravy train.Presidential turkeys are raised separately from their soon-to-be-stuffed counterparts, according to the South Dakota Soybean Research and Promotion Council.Per the council, Peas and Carrots lived in their own house away from the other turkeys and were handled regularly to "get used to people and activity," as it is important that they wouldn't be in a fowl mood for their big day.Weighing in at 39 and 41 pounds, respectively, Peas and Carrots hatched in late June of this year. Since then, the fluffy duo has developed a social media presence, knowing the importance of appealing to the baste. 1141

An Ohio couple was stunned to find a Nazi symbol on a pizza they picked up from Little Caesars Pizza Saturday night.Jason Laska was running an errand for his wife and picked up a pizza from the Little Caesars in Brook Park.“I walked in. I said, ‘What do you guys have left?’ And they said a pepperoni and a cheese and I said ‘give me the pepperoni,’” Laska said.He told WEWS he paid for the grab-and-go pizza but didn’t look inside the box until he got home, but his wife said she was disgusted to find pepperonis carefully arranged in the shape of a backward swastika. So my husband stopped at #LittleCaesars for a quick bite, husband brings this home! I’m truly disappointed. This is truly saddening and disturbing and not funny at all! These aren’t funny jokes and shouldn’t be made period and on company time?! ???????????????????? pic.twitter.com/zQaXecN2se— misty laska (@LaskaMisty) June 28, 2020 “I look at it like with my head back a little and I’m like, ‘Oh My God,’” Misty Laska said.A spokesperson for Little Caesar Enterprises, Inc. denounced racism in a written statement and confirmed the employees responsible for the swastika were immediately fired.“We have zero tolerance for racism and discrimination in any form, and these franchise store employees were immediately terminated. We’re deeply disappointed that this happened, as this conduct is completely against our values,” Jill Proctor said. “We have also reached out to the customer to discuss this personally with him.”Jason Laska said he is stunned someone would have the audacity to create an image like that amid the current civil unrest in America.“These are the kinds of things that are continuing to fuel the hate and the confusion that exists in the country and in the world,” Laska said.He added he was contacted by both Little Caesar Enterprises, Inc. corporate offices and the franchise owner who apologized for an insensitive joke between employees.“Two of the employees kind of were, I guess, egging each other on, or one was egging the other on to play a joke on a third employee that was there,” Laska said. “That was why it was not cut or anything like that. They made it as a joke and it was never intended to go out to a customer, but it did.”The couple hopes the experience will be a teaching lesson for the employees who are allegedly under the age of 18.“What repercussions are they getting from that, just termination?” Misty Laska said, “When they can just go right down the street and find another job?”They told News 5 they chose to share their experience to encourage others to learn the history and hateful symbolism behind the Nazi slogan.“Even in a joking manner it’s absolutely unacceptable,” Jason Laska said.Misty Laska, who was the first to discover the hateful prank, encourages others to speak up when they hear or see people committing racist acts.“We’re trying to get rid of racism. It’s like, we’re done with that kind of stuff,” Laska said, “Just to remind people that keep saying, ‘There’s no racism,’ it’s like, yeah there really is still racism and right here is your proof.”WEWS' Emily Hamilton and Courtney Shaw originally reported this story. 3168

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