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.
Your pipes burst in the middle of the night — water is everywhere. Is it covered?
In this episode, Bruce and Brian Chapman of JD Chapman Insurance Agency break down exactly how a homeowner's policy responds to a burst pipe, what the insurance company will and won't pay for, and the one mistake that could get your entire claim denied.
🔑 What we cover:
What a standard homeowner's policy covers when a pipe bursts
Why the pipe itself isn't covered — but why that usually doesn't matter
The negligence trap: what happens if you turned your heat off before leaving town
A real-life $1 million+ claim and why it was covered
Simple prevention tips to keep your pipes from bursting in the first place
💧 Pro tip: Keep a slow trickle running through your faucets during extreme cold — it could save you a massive claim.
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 #BurstPipe #HomeInsurance #WinterClaims #InsurancePodcast #NewYorkInsurance #HomeownersInsurance #JDChapman #WaterDamage #InsuranceTips #WinterDriving #PropertyInsurance #PipeBurst #HomeMaintenance
31 Mar 2026
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
24 Mar 2026
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
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Podcast Authority Score: 20 / 100
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