Is It Covered?

ROC Vox Podcast Network
  • 5.0 (1)
  • BUSINESS
  • UPDATED SEMIWEEKLY

Welcome to Is It Covered?, the podcast that makes insurance engaging, understandable, and even fun! Hosted by Brian and Bruce Chapman, owners of the family-run JD Chapman Insurance Agency, this show dives into the world of insurance, answering the big question everyone asks: “Is it covered?” Each episode, we break down real-life insurance claims, explore behind-the-scenes insights into the industry, and share the values that have guided our family business for over 60 years. From home and auto coverage to commercial insurance and everything in between, Is It Covered? takes the complexity out of insurance while keeping it interactive and relatable. Whether you’re a first-time insurance buyer or a seasoned business owner, tune in for stories, tips, and advice that help you protect what matters most.

  1. 2D AGO

    25-Car Pileup in a Whiteout

    A snow squall hits without warning, visibility drops to zero, and suddenly 20+ cars are slamming into each other on the highway. It happened on I-90 and I-81 — and it could happen to you. In this episode, Bruce and Brian Chapman of JD Chapman Insurance Agency break down exactly what happens to your insurance when you're caught in a multi-vehicle whiteout pileup. Who's at fault? Does your policy cover it? What if you're injured? 🔑 What we cover: • How fault is determined (or not) in a multi-car pileup • Why this type of crash may be classified as "not at fault" • What no-fault / personal injury protection (PIP) covers • Why you NEED collision coverage — and what happens if you don't have it • The one thing you should never do when you're in a pileup ⚠️ Safety reminder: Do NOT get out of your vehicle during a pileup unless it's on fire. Have a claim question or scenario you want us to break down? Email Brian directly: brian@jdchapmaninc.com 📞 JD Chapman Insurance Agency 🌐 jdchapmaninc.com 📱 (315) 986-4062 This podcast provides general information only and does not offer or bind insurance coverage. Coverage decisions depend on the specifics of each case. #IsItCovered #CarInsurance #AutoInsurance #WinterDriving #Pileup #InsurancePodcast #NewYorkInsurance #WhiteoutConditions #JDChapman #NoFault #CollisionCoverage #InsuranceTips #SnowSquall #PersonalInjuryProtection #PIP

    9 min

  2. MAR 24

    Your Plow Guy Damages Your Garage Door

    ❄️ Your plow guy just backed into your garage door — now what? In this episode of Is It Covered, Bruce and Brian Chapman of JD Chapman Insurance break down a multi-scenario snow plow claim that covers everything from garage door damage to dangerous snow piles blocking traffic. Whether you're a homeowner hiring a plow contractor or someone running a plow business on the side, this episode is packed with real-world insight you don't want to miss. ⏱️ TIMESTAMPS 00:00 – Introduction & Disclaimer 00:28 – Welcome to the Winter Edition 01:18 – The Multi-Scenario Snow Plow Claim 02:17 – What Insurance Does a Plow Operator Need? 03:16 – Personal Auto vs. Commercial Auto Policy 04:10 – How General Liability Coverage Works 05:31 – Advice for Homeowners Hiring Plow Contractors 06:24 – Is It Covered? The Verdict 07:13 – Outro & How to Submit Your Claim Scenarios 🎯 IN THIS EPISODE YOU'LL LEARN: + Why a personal auto policy won't cover you if you're plowing for money + The business exclusion clause that could leave you footing the bill + What a commercial auto policy + general liability policy covers for snow plow operators + How a dangerous snow pile can create liability — even if you didn't cause the accident directly + Why homeowners should always ask contractors for proof of insurance + What happens if you don't salt and someone slips and falls 📬 HAVE A CLAIM SCENARIO? Submit your real or hypothetical claim scenarios to: brian@jdchapmaninc.com 🌐 LEARN MORE: Website: www.jdchapmaninc.com Phone: (315) 986-4062 #InsurancePodcast #InsuranceClaims #SnowPlow #Driveway #SlipAndFall #Rochester #SnowProblems #CommercialInsurance #IsItCovered #JDChapman

    9 min

  3. MAR 17

    Ice Dams Ripped The Gutters Off My House

    Ice dams can look harmless—until your ceiling starts to sag and water stains show up inside. In this episode of Is It Covered?, Bruce and Brian Chapman break down what ice dams are, why they happen (often from heat loss and poor insulation in older homes), and the key insurance question homeowners and business owners keep asking: will insurance pay to remove the ice dam—or only for the damage it causes? They explain how coverage typically works, why prevention and “fixing the cause” is usually on you, and why waiting can turn a manageable water issue into a bigger problem (including mold concerns). They also share safer, practical steps to reduce risk—without climbing on your roof—and remind listeners to confirm details with their agent because every policy is different. IceDams #HomeInsurance #InsuranceClaims #WaterDamage #MoldDamage #RoofDamage #CommercialInsurance #JDChapman 00:00 Show Intro 00:28 Episode Setup and Disclaimer 01:09 What Ice Dams Are 02:27 How Ice Dams Cause Damage 03:18 Is It Covered 04:46 Prevention vs Claim Coverage 05:27 Personal and Commercial Risks 05:38 Safe Removal Tips 06:35 Prevention Options and Costs 07:27 Final Answer and Wrap Up 08:10 Contact and Legal Disclaimer

    9 min

  4. 11/18/2025

    We Bust The Biggest Myths of Insurance with Josh Patterson

    You think insurance adjusters are out to deny your claim—what if that’s completely backwards? In this episode of Is It Covered?, Bruce and Brian Chapman sit down with veteran all-lines adjuster Josh Patterson from Cincinnati Insurance to reveal how claims are really evaluated, how documentation and mitigation make the difference, and how AI is changing the game. Hear real talk about home and business insurance claims: roof hail damage, solar panels, water leaks, dash-cam auto accidents, police reports, and why the phrase “insured to value” matters more than ever. Discover how prompt communication and a few smart steps can turn chaos into coverage. Whether you’re a homeowner, business owner, agent or navigating a claim right now—this episode gives you the tools to make your next claim faster, clearer, and much more likely to succeed. Have a claim scenario for a future episode? Email Brian@jdchapmaninc.com #InsuranceClaims #InsuranceAdjuster #HomeInsurance #BusinessInsurance #AutoInsurance #ClaimsProcess #Documentation #Mitigation #AIinInsurance #JDChapman #IsItCovered

    44 min

  5. 10/28/2025

    Volunteer Event Injury Raises Big Questions

    You sign up to help at a company-sponsored volunteer event, swinging hammers for Habitat for Humanity or lending a hand at a charity fundraiser. But what happens if you fall, get injured, and suddenly face medical bills and time off work? In this episode of Is It Covered?, Bruce and Brian Chapman break down the often-overlooked insurance implications of volunteering while “on the clock.” From workers’ compensation to personal health insurance, we explore when your employer’s coverage applies — and when you’re on your own. ✓ How workers’ comp applies during volunteer events  ✓ The difference between on-the-clock volunteering and personal volunteer time  ✓ Why even good deeds come with unexpected risks  ✓ How businesses can protect employees and themselves when sponsoring volunteer work Whether you’re an employer organizing volunteer programs or an employee who loves to give back, this episode will open your eyes to the hidden insurance angles of doing good. 🎧 Listen now and find out why helping others sometimes leads to tricky questions about coverage. Have a claim scenario you’d like us to cover? Email brian@jdchapmaninc.com. #WorkersComp #VolunteerWork #InsuranceClaim #EmployeeCoverage #JDChapman #IsItCovered

    8 min

  6. 10/21/2025

    Street Fight Leaves Shop Windowed Shattered

    A late-night brawl spills onto the sidewalk and ends with someone flying through a shop window. Broken glass, property damage, and liability questions pile up fast — and the business owner is left wondering what insurance will actually cover. In this episode of Is It Covered?, Bruce and Brian Chapman break down the messy reality when street fights lead to broken storefronts. From who pays for repairs to how liability works when a third party causes the damage, this one shows just how complicated “simple” claims can get. ✓ How commercial property insurance responds to vandalism and accidents  ✓ Why liability claims don’t always fall where you think they will  ✓ The role of deductibles and exclusions in unexpected scenarios  ✓ Why business owners should confirm coverage before chaos hits Whether you run a business, advise clients, or just want to know what happens when fists fly through glass, this episode will make you rethink how prepared you are. 🎧 Listen now and learn why one wild night can turn into a very expensive morning. Have a claim scenario you want us to cover? Email brian@jdchapmaninc.com. #InsuranceClaim #CommercialInsurance #PropertyDamage #BusinessCoverage #IsItCovered #JDChapman

    9 min

  7. 10/14/2025

    Delivery Driver Runs Someone Over

    A delivery run goes sideways when a company truck collides with a passenger car. Injuries, vehicle damage, police reports — and the big question: does the driver’s policy pay, the business’s policy, or both? In this episode of Is It Covered?, Bruce and Brian Chapman (with Rich) unpack how insurance actually responds when a crash happens mid-delivery — whether employees use company vehicles or their own cars for work. ✓ What Hired & Non-Owned Auto (HNOA) covers for businesses using employee vehicles  ✓ Why a driver’s personal auto can deny claims for deliveries/commercial use  ✓ How liability is split when both the driver and employer get pulled into a lawsuit  ✓ What changes if it’s a company-owned truck vs. an employee’s car  ✓ When higher limits or an umbrella policy can keep a bad crash from becoming a business-ender Whether you run a restaurant, contractor crew, or small fleet — or you deliver on the side — this episode shows how one wreck can expose costly coverage gaps. 🎧 Listen now and make sure your next delivery isn’t a liability surprise. Have a claim scenario you want us to cover? Email brian@jdchapmaninc.com. #InsuranceClaim #CommercialAuto #DeliveryDrivers #HNOA #NonOwnedAuto #BusinessInsurance #JDChapman #IsItCovered

    9 min

  8. 10/07/2025

    Cash Vanishes From The Shop Overnight

    You lock up the office one night, only to come back in the morning and discover the cash drawer has been emptied. The money is gone, and suddenly you’re facing tough questions: Who’s responsible? And more importantly—does insurance step in? In this episode of Is It Covered?, hosts Bruce and Brian Chapman dig into a real-world “missing money” scenario. From a pizzeria’s overnight cash loss to office theft cases, we explore how these situations are handled by different types of insurance—and why the answer isn’t always simple. ✓ Why cash losses often fall into insurance gray areas  ✓ What coverage options might apply for employee theft or burglary  ✓ How business policies differ from homeowners insurance when money is stolen  ✓ Why deductibles and exclusions make all the difference Whether you run a business, sit on cash reserves in your office, or are just curious how insurance treats “vanishing money,” this episode sheds light on a surprisingly common claim type. 🎧 Listen now—and find out why protecting your cash may require more than just a lock and key. Have a claim scenario you’d like us to cover? Email Brian@jdchapmaninc.com #InsuranceClaim #BusinessInsurance #Theft #MissingMoney #CashClaims #JDChapman #IsItCovered

    10 min
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About

Welcome to Is It Covered?, the podcast that makes insurance engaging, understandable, and even fun! Hosted by Brian and Bruce Chapman, owners of the family-run JD Chapman Insurance Agency, this show dives into the world of insurance, answering the big question everyone asks: “Is it covered?” Each episode, we break down real-life insurance claims, explore behind-the-scenes insights into the industry, and share the values that have guided our family business for over 60 years. From home and auto coverage to commercial insurance and everything in between, Is It Covered? takes the complexity out of insurance while keeping it interactive and relatable. Whether you’re a first-time insurance buyer or a seasoned business owner, tune in for stories, tips, and advice that help you protect what matters most.

Information

  • Creator
    ROC Vox Podcast Network
  • Years Active
    2024 - 2026
  • Episodes
    43
  • Rating
    Clean
  • Copyright
    ©2024 JD Chapman, Inc.
  • Show Website
    Is It Covered?