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  • Hazmat Cleanup Needed After Reptile Incident | Is It Covered?

    Hazmat Cleanup Needed After Reptile Incident | Is It Covered?
    2025/04/29
    A normal day turns into a hazmat nightmare when a reptile enthusiast’s home setup goes terribly wrong—and suddenly a basement full of exotic pets needs professional cleanup.

    In this episode of Is It Covered?, Bruce and Brian Chapman break down a real insurance claim where heat lamps, home businesses, and policy exclusions all collide in the worst way.

    ✓ Why exotic pets and home businesses need special insurance
    ✓ What typical homeowners policies exclude (and why)
    ✓ How one electrical malfunction led to a very expensive lesson

    Whether you're an insurance agent or just wondering how far your policy really protects you, you’ll want to hear this one. (And maybe check your heat lamps.)

    🎧 Listen now—and learn why "covered" isn't always guaranteed.

    Interested in talking with Bruce or Brian about your insurance needs? Reach out!
    📧 Bruce@jdchapmaninc.com | 📧 Brian@jdchapmaninc.com | ☎ 315-986-4062

    #InsuranceClaim #HomeInsurance #BusinessInsurance #PetInsurance #RealInsuranceQuestions
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    6 分
  • Your Pet Caused a Car Accident | Is It Covered?

    Your Pet Caused a Car Accident | Is It Covered?
    2025/04/22
    A lazy Sunday turns chaotic when your pet bolts into the street—and a driver swerves, crashes, and suddenly you might be on the hook.

    In this episode of Is It Covered?, Bruce and Brian Chapman tackle a real-life claims scenario that gets to the heart of liability, auto, and homeowners coverage when animals cause accidents.

    ✓ What’s covered under collision vs. comprehensive
    ✓ How homeowners liability kicks in when it’s your pet’s fault
    ✓ Why agents should remind clients: pets can trigger real claims

    Whether you're an insurance pro or just wondering how your policy holds up when chaos meets fur, this one’s for you.

    🎧 Listen now and laugh a little—because yes, even this might be covered.

    Interested in talking with Bruce or Brian about your insurance needs? Reach out!
    📧 Bruce@jdchapmaninc.com | 📧 Brian@jdchapmaninc.com | ☎ 315-986-4062

    #InsuranceClaim #LiabilityCoverage #HomeInsuranceTips #AutoInsuranceExplained #RealInsuranceQuestions
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    6 分
  • Homeowners Insurance for Bear Attacks

    Homeowners Insurance for Bear Attacks
    2025/04/15
    Bear in the Backyard! 🐻🏡

    You head out to dinner... and come home to find your door ripped open, your fridge raided, and a bear lounging in your living room?! Is this kind of chaos actually covered by your homeowners insurance?

    In this wild episode of “Is It Covered?”, Bruce and Brian Chapman of JD Chapman Insurance explore a real-world scenario inspired by the Adirondacks—where wildlife and insurance claims sometimes collide in unexpected ways. 🧾🪵

    ✓ Whether homeowners insurance covers bear damage (inside and outside your home)
    ✓ How dwelling, contents, and even food loss coverage might apply
    ✓ Why it’s important to know the difference between wildlife exclusions like vermin vs. large animals

    📌 Subscribe now to get smarter about your policy and enjoy another real insurance story that’s as educational as it is wild!

    🎧 New episode available now!

    #IsItCovered, #JDChapmanInsurance, #HomeownersInsurance, #BearDamage, #WildlifeClaims, #InsurancePodcast, #Adirondacks, #RealInsuranceStories, #PropertyDamage, #FamilyBusiness, #InsuranceEducation, #PodcastEpisode, #InsuranceTips, #CoveredOrNot
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    6 分
  • Farm Animals on the Loose!

    Farm Animals on the Loose!
    2025/04/01
    Animals on the Loose! 🐔

    What happens when your farm animals make a break for it? Are you really covered if your cow crashes through a neighbor’s fence or your pig goes rogue down the road? 🐖💨

    In this upcoming episode of “Is It Covered?”, Bruce and Brian Chapman of JD Chapman Insurance dive into real-life insurance claims involving loose livestock, unexpected escapes, and the surprising scenarios that come with rural living. 🐾

    👉 You’ll learn:
    What farm policies typically cover (and what they don’t)
    Why proper livestock liability insurance matters

    How JD Chapman’s customer-first approach brings peace of mind when things go sideways
    📌 Subscribe now so you don’t miss this wild ride through one of our most entertaining (and educational) claim stories yet!

    🎧 New episode drops next week!

    #IsItCovered, #JDChapmanInsurance, #FarmInsurance, #LivestockCoverage, #InsurancePodcast, #InsuranceClaims, #FarmLife, #AnimalsOnTheLoose, #InsuranceHumor, #FamilyBusiness, #RuralLiving, #PeaceOfMind, #InsuranceTips, #PodcastTeaser, #InsuranceEducation
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    7 分
  • My Dog Ate my Diamonds!

    My Dog Ate my Diamonds!
    2025/03/25
    My Dog Ate My Diamonds | Is It Covered?

    In one of the wildest claims we’ve ever heard, a client calls in with a jaw-dropping question: “My dog ate my diamond earrings… is it covered?

    ”In this episode, Bruce and Brian break down the surprising world of personal property coverage and explain how unusual situations—like pets and precious stones—are handled in the world of insurance.

    From scheduled jewelry riders to accidental damage clauses, you'll learn what is and isn’t protected when the unexpected happens.
    Spoiler: the dog’s fine. But what about the diamonds?

    Whether you're an insurance pro or just love a good story, this episode will have you laughing—and double-checking your policy.

    Bruce@jdchapmaninc.com
    315-986-4062
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    7 分
  • Stolen Car Crash: Who Pays for the Damage?

    Stolen Car Crash: Who Pays for the Damage?
    2025/03/05
    Is It Covered? | Stolen Car Chase Crash - Who Pays for the Damage?

    A high-speed chase. A stolen car. A massive crash. Who’s footing the bill?Today, we’re tackling a wild scenario sent in by Rick from Minute Man Press: What happens if a stolen car crashes into you during a police chase? Who’s responsible for the damage to your car, your medical bills, and the overall headache that comes with it?

    In this episode, hosts Bruce and Brian Chapman of JD Chapman Insurance Agency will cover: How New York’s no-fault insurance impacts medical claims (hello, PIP coverage!). Why collision coverage or uninsured motorist protection is your best bet for car damage.

    The harsh truth about suing a car thief (spoiler: good luck collecting!). Whether the police or city could ever be held liable (hint: not likely, but possible!).

    The importance of SUM (Supplementary Uninsured Motorist) Coverage—your secret weapon in cases like these.

    Bottom Line?
    • Your PIP covers medical bills.
    • Your collision or uninsured motorist coverage handles vehicle repairs.
    • Lawsuits? A tough road.
    • The best protection? Having the right insurance BEFORE disaster strikes!
    Have a crazy insurance question? Drop it in the comments or send it our way! We just might break it down in a future episode.

    Subscribe for more real-world insurance stories, expert advice, and answers to the question: Is it covered?

    Like, Share & Subscribe to stay informed and protected!Interesed in talking with Bruce or Brian about your insurance needs? Reach out!

    Bruce@jdchapmaninc.com
    Brian@jdchapmaninc.com
    315-986-4062
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    8 分
  • How to Insure your Canna-Business

    How to Insure your Canna-Business
    2025/02/25
    Insuring a Cannabis Business – Is It Covered? | Is It Covered? Podcast

    Can you insure a licensed cannabis business?

    Yes—but it’s complicated! In this episode, Bruce and Brian Chapman break down the unique risks and essential coverages for dispensaries, growers, and distributors. From liability to property protection, we’ve got you covered.

    What you’ll learn:
    • Key insurance policies every cannabis business needs
    • Common risks and how to protect your assets
    • Real-world claims and expert advice


    Subscribe, like, and drop your questions in the comments!

    • Learn more: www.jdchapmaninc.com
    • Follow us: https://www.linkedin.com/in/bruce-chapman-7b415216/
    • Bruce@jdchapmaninc.com
    • 315-986-4062
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    10 分
  • How Natural Disasters Raise your Insurance Rates -- Even if you're not in a Disaster Zone!

    How Natural Disasters Raise your Insurance Rates -- Even if you're not in a Disaster Zone!
    2025/02/18
    How Do Natural Disasters Affect Insurance in Non-Disaster-Prone Areas?

    Welcome back to Is It Covered?, the podcast that takes a real look at insurance claims, policies, and the stories behind them brought to you by JD Chapman Insurance Agency!

    In this episode, Bruce and Brian Chapman break down how natural disasters impact insurance even in areas that rarely see extreme weather.

    • Why are my insurance rates going up even though I've never been affected by a hurricane, wildfire, or earthquake?



    • What is reinsurance, and how does it trickle down to your premiums?Are policies changing nationwide due to climate risks?


    • What can homeowners and businesses do to prepare for potential increases and coverage shifts?


    Even if you live in low-risk area, your insurance costs and coverage are likely affected by disasters happening elsewhere. We'll help you navigate these changes and share practical steps to keep your policy strong while controlling costs.

    Don't get caught off guard -- know what's covered before disaster strikes!

    Have a question or a wild insurance claim story?
    Drop it in the comments, and we might feature it in a future episode!

    Subscribe for more real insurance stories and expert advice!

    email: brian@jdchapmaninc.com
    phone: 315-986-4062
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    12 分