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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 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 Demi Lovato continues treatment after an apparent overdose, Live Nation has announced the cancellation of her fall tour dates."Unfortunately, Demi Lovato has canceled her upcoming Tell Me You Love Me Tour dates in South America, as she is focusing on her recovery," the company said in a statement to CNN. "The 6-city tour was scheduled to visit Chile, Argentina, and Brazil starting November 14. Ticket refunds will be available at the point of purchase and credit card purchases will be automatically refunded."The Grammy-nominated singer was released from Cedars-Sinai Medical Center in Los Angeles earlier this week and has entered an undisclosed rehab facility, sources close to Lovato told CNN.Friends and fans have rallied around the singer since her medical crisis.Lovato thanked them in a recent social media post that also looked ahead."I now need time to heal and focus on my sobriety and road to recovery," she wrote. "I will keep fighting." 974

Are you participating in Black Friday shopping this week? The season's biggest shopping event of the year might look a lot different than usual with many cities, states and retailers putting in restrictions due to COVID-19.For the first time, Deloitte’s consumer survey found that more shoppers plan to go online Thanksgiving weekend than to visit in-person retailers. The survey found that 58% of those planning to shop on Thanksgiving weekend will do so online, compared to 41% who say they will shop in person. Last year, 61% of shoppers said they planned on shopping in person compared to 51% who said they would shop online. A number of those surveyed said they would do both.If you plan on shopping on Black Friday, the Better Business Bureau offered the following tips:1) Stay Safe. Follow CDC guidelines to healthy and safe while in the store.2) Make the most of Black Friday deals. Start with a list of items and use sale flyers and promotions to determine which store has the best price. Set a budget and stick with it before heading out.3) Read the fine printSome retailers may offer an additional percentage off the purchase, but could exclude certain deals or items such as “door busters.” Watch for companies boasting a high percentage off; the item may be “75% off,” but the original price could be inflated. Carefully check the price tags, terms, and conditions. Research online using a secure wifi connection to see if competitors have the item at a better price.4) Plan out the excursion. Sometimes it's not necessary to wait to see what deals will be offered on Black Friday. Retailers often will release Black Friday flyers weeks ahead of time, so consumers can plan out their shopping spree. Make a map of the stores to visit and what items are at which store. Some retailors only honor sale ads during a certain time frame, or on certain days, and could limit the amount of deeply discounted items available for purchase.5) Sign-up for email alerts. Many stores release their best Black Friday deals and exclusive coupons to people who have subscribed to their emails. Sign up ahead of the holiday season, and then unsubscribe afterwards if needed.6) Do your research. Read product reviews on extremely discounted items. It could be a cheaper model or brand advertised, and not what was expected. Check BBB.org for Business Profiles of the stores and read what other customers’ have experienced.7) Know the return policy and warranty information.Pass along any information about returns, exchanges, repairs, and warranties to the person who will use the item. Gift receipts are an easy way for recipients to return or exchange a gift if it’s not just right, but make sure the item is able to be returned before purchasing.Visit BBB.org to look up a business, file a complaint, write a customer review, report a scam, read tips, follow us on social media, and more! 2894

ANDERSON, Ind. — A convicted killer already serving two life sentences without parole and accused of killing a fellow prisoner last summer told a Madison County judge this week he will keep killing people until he's given the death penalty.Tommy Holland, 45, made the statement Tuesday during a hearing in Madison Circuit Court. Madison County Prosecutor Rodney Cummings said Holland had been expected to plead guilty to the Aug. 9, 2019 stabbing death of Clifford Bagget, 28. In exchange for the plea, Holland was expected to receive his third life sentence, Cummings said.The stabbing happened inside the Pendleton Correctional Facility. Holland was serving two life sentences for murder out of Marion County. Bagget, of Florida, was serving time for aggravated battery, battery, and possession of methamphetamine, according to court records.Instead, the scene inside the Madison County courtroom was much different."His lawyer said [Holland] wanted to make a statement and that it was coming against the advice of counsel," Cummings said. "What he basically said was, if you don't give me the death penalty I'm going to keep killing people until you give it to me."The hearing did not proceed with the entering of a guilty plea. Instead, the judge ordered Holland to undergo a competency evaluation.Cummings said he will consider the unusual request but there are other factors under consideration as well."I don't want to waste taxpayer money," Cummings said.In addition, the 7th Circuit Court of Appeals in Chicago has not upheld a death penalty sentence brought to them on appeal in 11 years so the likelihood of a sentence of death being carried out against Holland is slim, Cummings said.Holland is currently being housed in segregation at Indiana State Prison in Michigan City, Cummings said. Cummings has reached out to the LaPorte County prosecutor to warn him of the threats made by Holland and will also be writing a letter to the Indiana Department of Correction to warn them of the threats as well.In addition to the two murders he's been convicted of and the third case that he has been charged in, Cummings said Holland is also suspected of additional murders.This story was first reported by Bob Blake at WRTV in Indianapolis, Indiana. 2261

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