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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

late Monday night.Indianapolis Metropolitan Police Department officers were initially called to a local business around 5 p.m. Monday for a report of a burglary-in-progress, according to IMPD Sgt. Grace Sibley.When officers arrived, they saw a man running from the location and into a second building. The people inside were able to get out before the suspect barricaded himself.Sibley said the suspect had tried to rob the first business but fled after realizing that there were still employees inside.IMPD crisis negotiators and SWAT team members secured the area. After an hours-long standoff, the suspect became agitated and pointed a gun at officers, Sibley said. Officers then shot the suspect.The suspect was taken into custody and rushed to St. Vincent Hospital in serious condition, but is expected to survive. No officers were injured in the shooting.Roads in the area were closed during the standoff, which lasted several hours.The incident remains under investigation. The suspect's name has not yet been released.This story was originally published by Andrew Smith on 1083

on the street because a white woman said the man looked at her suspiciously.The witness streamed the event on Facebook live."I was going to the CVS over here when this young man was stopped because a Caucasian lady said that he looked at her suspiciously and he has been pulled over walking to go to eat by two police officers for suspicion of being black," the witness says in the video.In the video, the 20-year-old man identifies himself to police and a apologizes for the inconvenience. "They need to make a warning sign for Royal Oak: 'Don't stare too long.," the man said in the video."No, don't be black and stare," the witness said. According to the witness, the man was going to meet his girlfriend at a nearby restaurant. The restaurant later paid for the man's meal, according to a restaurant employee.Later, more officers arrived on the scene along with a supervisor. Eventually, they let the man leave.Though the Royal Oak Police confirmed they are investigating the incident, they declined to provide more information or make anyone available for an interview."We are in the process of evaluating what mistakes have been made and we will own them, we will learn from them, and we will continue to strive to be better in everything we do," Royal Oak Mayor Michael Fournier in a statement, in part.This story was originally published by 1351

With wildfires impacting many American wineries, many winemakers are having tougher times testing their grapes.“Everything is so bad, it’s funny,” said Ashley Trout, owner and operator of Brook and Bull Cellars in Walla Walla, Washington.With professional labs that test grapes for smoke taint back logged for more than a month, Trout is now literally taking matters into her own hands, testing grapes during a natural fermentation process and using her senses to spot signs of smoke taint.Trout says instead of waiting five weeks for results from a lab, she’s now getting them in five days on her own.With more challenges in the industry, wine experts say more winemakers are trying creative techniques.“Everybody is going back to the drawing board thinking, 'Okay, what can I do, what will compliment this wine I’m making,’” said Anita Oberholster, Ph.D., with the University of California, Davis viticulture and enology program.She says wildfires have forced many wineries to go back to the basic of wine making.“People are throwing their recipe books away,” Oberholster said. “If you can, rather do hand picking than machine harvesting because it’s more gentle on the grapes.”Oberholster estimates about 20% of the grapes grown in 2020 were not harvested, which could cause this multi-billion dollar industry to raise its prices.Back in the vineyards, Trout is reluctantly adjusting to this new norm.“I have never wanted to make wine in a bucket before,” she said.With wildfires still raging across the West Coast, the area that produces 85% of America’s wine, winemakers like Trout will be feeling the impacts long after the smoke settles.“It’s 2020,” she said. “So, we’re going to make some bucket wine and see how it goes.” 1738

and this time, the pigeons are being used to make a political statement. Pigeons were previously spotted in the Las Vegas valley wearing 139

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