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An explosion leveled a home in Cleveland on Monday, and just one day after losing everything, strangers are helping themselves to the homeowner's belongings left behind. One man loaded up his truck with an oven. Another grabbed a table and chairs. Cleveland police said because it is not a crime scene, they will only respond to calls about looting.And to add insult to injury, the city has hit the homeowner, Nita Moore, with a laundry list of citations. Just after the explosion happened, one 45-year-old woman was taken from the explosion site in the 11000 block of Primrose Avenue to MetroHealth in critical condition. Witnesses at the scene said she appeared to be badly burned. According to the fire chief, she was in the street in front of the home when EMS arrived. 806

As COVID-19 cases surge across the country, an increasing number of couples are suddenly revamping their living wills to include specific language about what to do if someone in their family catches the novel coronavirus and may not be able to make medical decisions for themselves.“I think like a lot of people it certainly caused us to take a step back and say, ‘wow, these types of black swan events happen,’” said Adam Neale, who recently updated his living will.Neale and his wife, Dorean, say the grim reality of COVID-19 pushed them to finish estate planning they had been putting off for years. But the pandemic hasn't only led to a spike in families planning out their estates, it's also changed the way couples are looking at end-of-life care.“What we’ve seen is this heightened sense of awareness of people’s mortality, which has created a heightened sense of urgency in the market, explained Denise McCarthy, an estate attorney in the Boston area.“I don’t think people have thought about ventilators the way they’re thinking about them now.”McCarthy is now recommending couples write in COVID-19 specific language to their wills, like what to do if one spouse ends up on a ventilator. She also says it's important to appoint a healthcare proxy, clearly putting a spouse or family member in charge of your medical care. It’s something that has become more important now than ever as many hospitals are barring visitors because of COVID-19.“It’s one less source of stress in a very tough time,” she said.Nationwide, only about 30 percent of couples have any kind of living will.That now includes Dorean and Adam Neale, who fully admit a pandemic pushed them to plan for the inevitable.“For me, the peace of mind was checking the box on something you were supposed to do and something that you should do,” said Dorean Neale. 1841

ARCADIA, Calif. (AP) — A 3-year-old gelding was fatally injured in the fifth race at Santa Anita on Saturday, becoming the 34th horse to die at the track since December.According to a statement from track owner The Stronach Group, jockey Ruben Fuentes pulled up Satchel Paige at the three-eighths pole of the 6 1/2-furlong sprint. Track veterinarian Dr. Dana Stead saw that the gelding had sustained an open fracture of his left front ankle and decided to euthanize him.Fuentes wasn't injured in the ,000 race featuring horses that had yet to win.Dr. Dionne Benson, chief vet for The Stronach Group, said the gelding will undergo a required necropsy at UC Davis. She said the accident and necropsy report will be reviewed "to learn what, if anything, could have been to prevent the accident."Benson said Santa Anita will work with the California Horse Racing Board to investigate the accident.Trained by Phil D'Amato, Satchel Paige was winless in six career starts, with one second and one third-place finish. He had career earnings of ,002.He was bred and owned by retired luxury car dealer Nick Alexander, chairman of the Thoroughbred Owners of California, which represents the collective interests of owners in the state and works to preserve the sport's long-term viability.Santa Anita is set to host the Breeders' Cup world championships for a record 10th time on Nov. 1-2. 1392

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

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

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