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PODCAST

Is It Covered?

ROC Vox Podcast Network

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

business

All Episodes

7:13

Your Pipes Burst And Flood Your Basement

Is It Covered? ·

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 burstsWhy the pipe itself isn't covered — but why that usually doesn't matterThe negligence trap:

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8:53

25-Car Pileup in a Whiteout

Is It Covered? ·

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•

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8:44

Your Plow Guy Damages Your Garage Door

Is It Covered? ·

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.⏱️ TIMESTAMPS00:00 – Introduction & Disclaimer00:28 –

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9:08

Ice Dams Ripped The Gutters Off My House

Is It Covered? ·

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

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43:37

We Bust The Biggest Myths of Insurance with Josh...

Is It Covered? ·

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

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7:57

Volunteer Event Injury Raises Big Questions

Is It Covered? ·

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

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9:19

Street Fight Leaves Shop Windowed Shattered

Is It Covered? ·

2025/10/21

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

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9:11

Delivery Driver Runs Someone Over

Is It Covered? ·

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

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10:05

Cash Vanishes From The Shop Overnight

Is It Covered? ·

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

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8:22

Board Members Sued for Mismanaging Money

Is It Covered? ·

2025/09/16

You volunteer your time to serve on a nonprofit board, helping a cause you care about. But when the organization is accused of mismanaging funds, suddenly every board member is named in a lawsuit.In this episode of Is It Covered?, Bruce and Brian Chapman unpack what happens when boards—and their members—get sued. From nonprofit volunteers to corporate directors, these claims are more common (and more personal) than many realize.✓ Why serving on a board can expose you to personal liability✓ What

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7:45

Medical Bills After a Motorcycle Crash

Is It Covered? ·

2025/09/09

A summer ride takes a sharp turn when a motorcycle crash leaves behind broken bones, smashed property, and one big question: who pays the medical bills?In this episode of Is It Covered?, Bruce and Brian Chapman break down a real crash scenario where a rider loses control, damages cars and fences, and ends up in the ER. The accident raises tough questions about motorcycle policies, liability, and where health insurance steps in.✓ Why motorcycle insurance differs from auto insurance✓ How liability

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7:03

When a Lemonade Stand Turns Into a Lawsuit

Is It Covered? ·

2025/09/02

It starts with a summer classic: kids setting up a lemonade stand at the end of the driveway. But what happens if the lemonade makes someone sick—or worse, causes an injury? Suddenly, fun and entrepreneurship can turn into medical bills, lawsuits, and big insurance questions.In this episode of Is It Covered?, hosts Bruce and Brian Chapman break down a real-world scenario where a child’s lemonade stand leads to potential liability claims. From homeowners coverage to the fine line between “just for

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19:27

The Hidden Risk That Can Wreck Retirement

Is It Covered? ·

2025/08/26

You’ve built up your savings, investments, and retirement plan—but one unexpected claim could derail it all. From out-of-pocket liability to asset protection, the overlap between insurance and wealth management might matter more than you think.In this episode of Is It Covered?, hosts Bruce and Brian Chapman sit down with a wealth advisor from Pitti Wealth Management to explore how financial planning and insurance go hand in hand. From protecting high-value assets to understanding the ripple effects

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6:06

Tents, Fires and Forest Friends

Is It Covered? ·

2025/08/12

Ever wondered what happens if your cozy campfire goes rogue? In this sizzling episode of "Is It Covered?", Bruce and Brian Chapman of JD Chapman Insurance Agency tackle a scorching scenario: accidental forest fires while camping!😱Join our father-son duo as they break down:• The shocking truth about homeowner's liability for forest fires• Why your insurance might save your bacon (but not the trees)• How a simple campfire can turn into a million-dollar nightmarePlus, special guests Kevin and Trevor

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7:42

Returning From Vacation to a TRASHED Home

Is It Covered? ·

2025/08/05

You’re soaking up the sun on vacation when a neighborhood teen decides your empty house is the perfect spot for a party. The result? Broken furniture, trashed rooms, missing valuables—and a big insurance question.In this episode of Is It Covered?, hosts Bruce and Brian Chapman are joined by Trevor Chapman (President of JD Chapman) and longtime agent Kevin Musi to break down a real-life “vacation vandalism” scenario. From property damage to stolen items and even liability if someone gets hurt, we

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7:28

My Neighbor's Tree Branch DESTROYED My Pool

Is It Covered? ·

2025/07/29

A sunny summer day takes a sharp turn when a falling tree branch tears through your pool liner—and suddenly you’re watching thousands of gallons of water pour into your yard... or worse, your basement.In this episode of Is It Covered?, hosts Bruce and Brian Chapman are joined by Trevor Chapman (President of JD Chapman) and longtime agent Kevin Mucci to break down one of the trickiest summer claim scenarios: damage to your pool. Is it covered under your homeowner’s policy? What if it’s your

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9:03

What Happens When Your Dog Attacks Someone

Is It Covered? ·

2025/07/22

Your friendly dog accidentally hurts someone! Was it a bite or were they just giving an overly excited greeting? You've got a lawsuit on your hands and need to know who will pay for this. We breakdown the insurance claims and answer Is It Covered? Interested in talking with Bruce or Brian about your insurance needs? Reach out!📧 @jdchapmaninc.com | ☎ 315-986-4062#insurance #insuranceclaims #dogbites #petclaims #liabilityinsurance #JDChapman #dogowners #homeowners

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7:39

BBQ Gone Bad!

Is It Covered? ·

2025/07/15

A summer BBQ turns into a fiery insurance scenario! In this sizzling episode of Is It Covered?, the Chapman crew tackles what happens when your grill goes up in flames—and takes your deck with it. Plus, what if someone gets injured? Are you still covered? Real talk, real claims, and real laughs.Hashtags:#InsurancePodcast, #HomeownersInsurance, #GrillSafety, #JDChapman, #IsItCovered, #InsuranceClaims, #BBQFails, #SummerSafety, #RochesterNY, #InsuranceTipsQuotes:"Insurance covers your own

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23:39

My House Is COMPLETELY Flooded

Is It Covered? ·

2025/06/24

A routine day turns into a soggy disaster when a basement floods, leaving behind standing water, damaged belongings, and urgent questions about what’s covered—and what’s not.In this episode of Is It Covered?, we sit down with Chris & Dayna Muoio of Rochester Restoration for Part 2 of our interview, this time diving into water damage, sump pump failures, and the realities of flood-related claims.✓ What to do (and not do) when your basement floods✓ How mold, maintenance, and timing impact your

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30:52

How to Restore Your Home After Fire Damage

Is It Covered? ·

2025/06/17

A normal day turns into a total loss when a house fire leaves behind charred walls, smoke damage, and unanswered questions about what comes next.In this episode of Is It Covered?, we sit down with Chris & Dayna Muoio of Rochester Restoration to talk about what really happens after a fire—from emergency response to rebuilding your home and your peace of mind.✓ What to expect during the fire restoration process✓ How insurance and restoration teams work together✓ Common mistakes homeowners make

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