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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

-- and tropical storm warnings already have been issued for parts of coastal Louisiana, Alabama and Florida.Regardless of whether a cyclone forms, dangerous storm surge, strong winds and heavy rain are expected to hit the warning areas Friday evening and Saturday, the hurricane center says.The system's core may slam into the Florida Panhandle on Saturday morning, forecasts show.In anticipation of strong winds, New Orleans officials Friday 443

With the CDC's recommendation that Americans not travel to see family members for Thanksgiving next week, many won't be able to see their relatives this holiday season. However, doctors say it's as important as ever to keep in touch with elderly relatives.One easy way to stay in touch with older relatives is through video chat. And while elderly family members may not have much experience with it, Dr. Donald Mack says seniors have been more willing to try new technologies amid the pandemic."Most of them have really bought into the importance of staying safe, and they're willing to try this new technology," said Mack, a geriatrician at Ohio State's Wexner Medical Center. "I used to think some of them would just say no."It's totally normal to have hiccups. Mack says it's all about having patience and giving family members a hand.If a loved one has a caregiver, see if they are able to help set up the calls. Once that happens, take a look at the environment your loved one finds themselves in."If the senior is able to do that safely is say, 'Hey can you show me how you can get out of that chair and get something across the room?' Or, 'show me how your plants are doing,'" Mack said. "Sometimes, you can check in on them, and also check in on their function that way, too."Mack says callers should also check in on their loved ones' grooming — something they wouldn't otherwise be able to see in a regular phone call.Doctors even say seniors might be willing to have difficult conversations over video chat, as long as their cognitive health is OK.Callers can also talk about what their loved ones need and set up services like grocery and medicine delivery if they're in another city.If video chatting becomes too much of an obstacle, doctors say it's still OK to resort to a regular phone call. They say the most important thing is to stay in touch. 1871

in Arizona over the weekend.Officers with the Prescott Police Department responded to a report of a disorderly female wearing a wedding dress who tried to assault an employee at a local business.Once police contacted a group of people at the location, officers say 32-year-old Eric Cordova became aggressive and refused to cooperate. He allegedly fought with the officer and both fell to the ground. During the struggle, several people that were with Cordova began to assault the officer and refused to obey commands, according to the department.Additional officers arrived on scene and eventually gained control of the group.Among them was 30-year-old Ashely Jordan, who was still wearing her wedding dress. Jordan and Cordova apparently had gotten married earlier in the day, police said.Two officers suffered minor injuries from the incident.The following people were arrested and booked into the Yavapai County Jail:Eric Cordova, 32-year-old Chino Valley resident – Aggravated assault on a law enforcement officer, resisting arrest and disorderly conduct.Ashely Jordan, 30-year-old Chino Valley resident – Aggravated assault on a law enforcement officer, resisting arrest, and disorderly conductDustin Trout, 31-year-old Tempe resident – Aggravated assault on a law enforcement officer, disorderly conduct, obstruction of justiceAmos Puckett, 25-year-old Nevada resident – Obstruction of justice and disorderly conductPolice say two other men were also cited and released from the scene for charges of disorderly conduct.This story was originally published by KNXV. 1571

With the revolving-door slate of deals making it tough to keep track of what's coming and going to Netflix each month, we're here to help you catch some movies and shows you may have had on your list before they leave the service and become a lot harder to find.Nearly 30 movies are leaving the service Nov. 1, including some excellent family films, with "Zathura" (2005) and "The NeverEnding Story" (1984) at the top of the list. Best Picture Oscar winner "The Silence of the Lambs" (1991) is also on the way out.Here are the shows and films leaving Netflix in September, courtesy of What's on Netflix:Nov. 1100% Hotter (Season 1)Ace Ventura: Pet Detective (1994)Burlesque (2010)Charlotte’s Web (2006)Clash of the Titans (1981)District 9 (2009)Fun with Dick & Jane (2005)Get Shorty (Season 1)Grandmaster (2012)Highway to Heaven (Seasons 1-5)Just Friends (2005)Magic Mike (2012)Nacho Libre (2006)Nights in Rodanthe (2008)Set Up (2000)Sleepless in Seattle (1993)Sleepy Hollow (1999)Spaceballs (1987)Sylvanian Families (Season 1)The Firm (1993)The Girl with All the Gifts (2016)The Interview (2014)The Naked Gun: From the Files of Police Squad! (1988)The NeverEnding Story (1984)The NeverEnding Story 2: The Next Chapter (1989)The Patriot (2000)The Silence of the Lambs (1991)The Taking of Pelham 123 (2009)The Ugly Truth (2009)Total Drama (5 seasons)Underworld (2003)Underworld: Evolution (2006)Underworld: Rise of the Lycans (2009)Zathura (2005)Nov. 3Julius Jr. (Seasons 1-2)Nov. 28"Disney’s The Nutcracker and the Four Realms" (2018)Phil Villarreal TwitterPhil Villarreal FacebookPhil Villarreal Amazon Author PagePhil Villarreal Rotten TomatoesThis story was first published by Phil Villarreal at KGUN in Tucson, Arizona. 1735