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  • Your Pipes Burst And Flood Your Basement

    Your Pipes Burst And Flood Your Basement
    2026/04/07
    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
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    7 分
  • 25-Car Pileup in a Whiteout

    25-Car Pileup in a Whiteout
    2026/03/31
    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
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    9 分
  • Your Plow Guy Damages Your Garage Door

    Your Plow Guy Damages Your Garage Door
    2026/03/24
    ❄️ 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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    9 分
  • Ice Dams Ripped The Gutters Off My House

    Ice Dams Ripped The Gutters Off My House
    2026/03/17
    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
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    9 分
  • We Bust The Biggest Myths of Insurance with Josh Patterson

    We Bust The Biggest Myths of Insurance with Josh Patterson
    2025/11/18
    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
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    44 分
  • Volunteer Event Injury Raises Big Questions

    Volunteer Event Injury Raises Big Questions
    2025/10/28
    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
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    8 分
  • Delivery Driver Runs Someone Over

    Delivery Driver Runs Someone Over
    2025/10/14
    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
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    9 分
  • Cash Vanishes From The Shop Overnight

    Cash Vanishes From The Shop Overnight
    2025/10/07
    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
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    10 分