Welcome to Is It Covered?, the podcast that makes insurance engaging, understandable, and even fun!<br /><br />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?”<br /><b></b><br />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.<br /><br />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.<br /><br />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.
Is It Covered?
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Podcast Overview
Welcome to Is It Covered?, the podcast that makes insurance engaging, understandable, and even fun!<br /><br />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?”<br /><b></b><br />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.<br /><br />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.<br /><br />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.
Language
🇺🇲
Publishing Since
10/1/2024
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Recent Episodes
April 7, 2026
Your Pipes Burst And Flood Your Basement
Your pipes burst in the middle of the night — water is everywhere. Is it covered?<br /><br />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.<br /><br />🔑 What we cover:<br />What a standard homeowner's policy covers when a pipe bursts<br />Why the pipe itself isn't covered — but why that usually doesn't matter<br />The negligence trap: what happens if you turned your heat off before leaving town<br />A real-life $1 million+ claim and why it was covered<br />Simple prevention tips to keep your pipes from bursting in the first place<br />💧 Pro tip: Keep a slow trickle running through your faucets during extreme cold — it could save you a massive claim.<br />Have a claim question or scenario you want us to break down? Email Brian directly: brian@jdchapmaninc.com<br />📞 JD Chapman Insurance Agency<br />🌐 jdchapmaninc.com<br />📱 (315) 986-4062<br /><br />This podcast provides general information only and does not offer or bind insurance coverage. Coverage decisions depend on the specifics of each case.<br /><br />#IsItCovered #BurstPipe #HomeInsurance #WinterClaims #InsurancePodcast #NewYorkInsurance #HomeownersInsurance #JDChapman #WaterDamage #InsuranceTips #WinterDriving #PropertyInsurance #PipeBurst #HomeMaintenance<br />
March 31, 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.<br />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?<br />🔑 What we cover:<br />• How fault is determined (or not) in a multi-car pileup<br />• Why this type of crash may be classified as "not at fault"<br />• What no-fault / personal injury protection (PIP) covers<br />• Why you NEED collision coverage — and what happens if you don't have it<br />• The one thing you should never do when you're in a pileup<br />⚠️ Safety reminder: Do NOT get out of your vehicle during a pileup unless it's on fire.<br />Have a claim question or scenario you want us to break down? Email Brian directly: brian@jdchapmaninc.com<br />📞 JD Chapman Insurance Agency<br />🌐 jdchapmaninc.com<br />📱 (315) 986-4062<br />This podcast provides general information only and does not offer or bind insurance coverage. Coverage decisions depend on the specifics of each case.<br /><br />#IsItCovered #CarInsurance #AutoInsurance #WinterDriving #Pileup #InsurancePodcast #NewYorkInsurance #WhiteoutConditions #JDChapman #NoFault #CollisionCoverage #InsuranceTips #SnowSquall #PersonalInjuryProtection #PIP<br />
March 24, 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.<br />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.<br /><br />⏱️ TIMESTAMPS<br />00:00 – Introduction & Disclaimer<br />00:28 – Welcome to the Winter Edition<br />01:18 – The Multi-Scenario Snow Plow Claim<br />02:17 – What Insurance Does a Plow Operator Need?<br />03:16 – Personal Auto vs. Commercial Auto Policy<br />04:10 – How General Liability Coverage Works<br />05:31 – Advice for Homeowners Hiring Plow Contractors<br />06:24 – Is It Covered? The Verdict<br />07:13 – Outro & How to Submit Your Claim Scenarios<br /><br />🎯 IN THIS EPISODE YOU'LL LEARN:<br />+ Why a personal auto policy won't cover you if you're plowing for money<br />+ The business exclusion clause that could leave you footing the bill<br />+ What a commercial auto policy + general liability policy covers for snow plow operators<br />+ How a dangerous snow pile can create liability — even if you didn't cause the accident directly<br />+ Why homeowners should always ask contractors for proof of insurance<br />+ What happens if you don't salt and someone slips and falls<br /><br />📬 HAVE A CLAIM SCENARIO?<br />Submit your real or hypothetical claim scenarios to: brian@jdchapmaninc.com<br /><br />🌐 LEARN MORE:<br />Website: www.jdchapmaninc.com<br />Phone: (315) 986-4062<br />#InsurancePodcast #InsuranceClaims #SnowPlow #Driveway #SlipAndFall #Rochester #SnowProblems #CommercialInsurance #IsItCovered #JDChapman
44 total episodes available
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Frequently asked questions
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- What is Is It Covered??
- How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
No, this podcast does not typically feature guests.
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