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 Tre...
Aug 12, 2025•6 min•Season 1Ep. 131
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, w...
Aug 05, 2025•8 min•Season 1Ep. 130
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 neig...
Jul 29, 2025•7 min•Season 1Ep. 129
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...
Jul 22, 2025•9 min•Season 1Ep. 128
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, #InsuranceTips Quotes: "Insurance covers your own stup...
Jul 15, 2025•8 min•Season 1Ep. 127
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 y...
Jun 24, 2025•24 min•Season 1Ep. 126
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 ...
Jun 17, 2025•31 min•Season 1Ep. 125
When Insurance Limits Run Dry: A Wild Ride Through Multi-Party Claims! 🚗💥 Get ready for a jaw-dropping episode of "Is It Covered?" with Bruce and Brian Chapman! They're tackling a mind-bending scenario: What happens when insurance limits are exhausted in a multi-party claim? 😱 👉 You'll learn: • The shocking reality of depleted insurance limits • Why your fence might be left hanging (literally!) after an accident • How to navigate the murky waters of exhausted coverage But wait, there's more!...
Jun 03, 2025•7 min•Season 1Ep. 124
Ever wondered what happens if your band's gear gets swiped? Is it covered? 🤔 In this episode of "Is It Covered?" , Bruce and Brian Chapman from J.D. Chapman Insurance Agency tackle the ins and outs of insuring musical instruments and equipment, especially when theft strikes! 🎤 Key Takeaways: - Scenario Breakdown: Imagine your band's instruments vanish from your van... What now? 🚐💨- Insurance Insights: Discover if standard policies have your back or if you need to "schedule" items on your hom...
May 27, 2025•6 min•Season 1Ep. 123
Is It Covered? | Airbnb Adventures and Insurance Insights 🏠✨ Ever wondered if your Airbnb rental is truly protected? In this episode of "Is It Covered?", Bruce and Brian Chapman from J.D. Chapman Insurance Agency tackle the ins and outs of insurance for short-term rentals like Airbnb and Vrbo. With real-life stories and expert advice, they explore the potential risks and necessary coverage for hosts. 🛡️ Key Highlights: - Risks of Short-Term Rentals [1:00-2:43]: Discover the unexpected challeng...
May 20, 2025•8 min•Season 1Ep. 122
Ever wondered if your auto insurance covers those adrenaline-pumping track days? 🤔 In this episode of "Is It Covered?" , Bruce and Brian Chapman from J.D. Chapman Insurance Agency break down the ins and outs of insurance for high-performance driving events. 🏎️💨 Key Highlights: - Personal Auto Insurance Exclusions: Discover why your standard policy might leave you high and dry on the track. Bruce shares a jaw-dropping story about insurance fraud attempts involving tow trucks and damaged cars! ...
May 13, 2025•8 min•Season 1Ep. 121
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...
Apr 29, 2025•6 min•Season 1Ep. 120
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 cla...
Apr 22, 2025•6 min•Season 1Ep. 119
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 d...
Apr 15, 2025•6 min•Season 1Ep. 118
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...
Apr 01, 2025•7 min•Season 1Ep. 117
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 unexpec...
Mar 25, 2025•7 min•Season 1Ep. 116
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...
Mar 05, 2025•8 min•Season 1Ep. 115
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 Subscr...
Feb 25, 2025•10 min•Season 1Ep. 114
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...
Feb 18, 2025•12 min•Season 1Ep. 113
$60M Verdict: Hotel Negligence Leaves Guest with Irreversible Brain Damage | Is It Covered? A relaxing vacation turned into a nightmare. When Diamond Resorts failed to conduct a timely welfare check, Priscilla O'Malley suffered irreversible brain damage. The jury's verdict? A staggering $60,445,361 against the hotel. In this episode of Is It Covered?, Bruce and Brian Chapman break down the case, discussing: How hotel liability and negligence played a role The impact of welfare check policies on ...
Feb 04, 2025•9 min•Season 1Ep. 112
Movie Set Accident: $60 Million Verdict In this episode of Is It Covered?, we dive into the dramatic case of James Razo, a cameraman who suffered life-altering injuries on a movie set. What led to the $66.6 million verdict (later reduced to $60.8 million)? Case Breakdown: Incident: A movie set workplace accident left Razo with spinal fractures, a traumatic brain injury, and permanent disabilities. The jury held Black Label Media 63% liable for unsafe working conditions. Outcome: A massive nuclea...
Jan 28, 2025•8 min•Season 1Ep. 111
Welcome to a powerful new episode of Is It Covered?, brought to you by the J.D. Chapman Insurance Agency! In this installment of our mini-series on nuclear verdicts, we dive into the staggering $177 million case of workplace negligence at a major hotel chain.The story centers on Shannon Dugan, a 37-year-old law enforcement officer, who endured a harrowing assault by a hotel security guard in her room. The trial revealed gross negligence in the hotel's hiring, training, and supervision practices,...
Jan 21, 2025•7 min•Season 1Ep. 110
In this episode of Is It Covered?, hosts Bruce and Brian dive into the world of nuclear verdicts. What exactly is a nuclear verdict, and how is it impacting insurance, businesses, and consumers? We break it all down, exploring real-world examples, the factors driving these staggering legal awards, and how the insurance industry is adapting to this growing trend. If you're in the insurance business, work in risk management, or are simply curious about the ripple effects of these headline-grabbing...
Jan 14, 2025•10 min•Season 1Ep. 109
🎙 "Is It Covered" Podcast - Episode 8: "I'm an Uber Driver and Got Into a Car Accident" 🚗 In this episode of "Is It Covered", insurance experts Brian and Bruce Chapman break down a real-life scenario that rideshare drivers need to know: What happens when you get into a car accident while driving for Uber? Whether you're a rideshare driver or just curious about how insurance works in these situations, this episode will provide clarity on: ✅ Rideshare insurance policies and coverage gaps ✅ What ...
Jan 07, 2025•10 min•Season 1Ep. 108
In this gripping episode of Is It Covered?, Bruce and Brian Chapman tackle one of the wildest insurance scenarios yet: a tire falls off a car, causing catastrophic damage and a tragic fatality. Could this be covered under your insurance? The father-and-son duo dig into the details, explaining the factors that determine coverage in extreme situations like this. From policy specifics to the nuances of liability, this is an episode you won’t want to miss! Whether you're a policyholder or just curio...
Dec 30, 2024•10 min•Season 1Ep. 107
In this episode of Is It Covered?, Bruce and Brian Chapman tackle a shocking story of a lightning strike that hit a transformer, leading to fried appliances and frustrated homeowners. The father-son duo from JD Chapman Insurance Agency break down what happens when a power surge wreaks havoc on your home. Is it covered by your insurance? How does the claims process work? And what can you do to prepare for unexpected electrical mishaps? Tune in for an engaging, informative discussion about real-li...
Dec 18, 2024•9 min•Season 1Ep. 106
"Is It Covered?" - My Neighbor’s Tree Fell on My House! In this latest episode of Is It Covered?, Bruce and Brian Chapman dive into a classic homeowner's nightmare—what happens when your neighbor's tree takes a tumble onto your house. Who’s responsible? Is it covered? And what steps should you take to handle the situation smoothly?Join us as we:Break down real-life scenarios and how insurance policies play a role. Explore the surprising factors that determine who pays. Share tips for preventing ...
Dec 10, 2024•6 min•Season 1Ep. 105
"I Choked on a Screw in My Salad"What happens when your peaceful meal out turns into a jaw-dropping experience—literally? In this episode of Is It Covered?, we dive into the unexpected: finding a foreign object in your food at a restaurant. From medical expenses to liability questions, we explore the insurance implications of a claim-worthy bite gone wrong. Join Bruce and Brian Chapman as they break down real-life scenarios, share tips on navigating the aftermath, and discuss how insurance plays...
Dec 02, 2024•14 min•Season 1Ep. 104
Hitting a Deer: Is It Covered? In this episode of Is It Covered?, Bruce and Brian Chapman tackle a common (and stressful!) insurance scenario—what happens when you hit a deer with your car? From understanding comprehensive coverage to what steps to take immediately after the accident, we’ve got you covered with expert advice and real-world tips. Learn about: What to do if you hit a deer When and how insurance steps in Why comprehensive coverage matters Whether you're a seasoned driver or new beh...
Nov 18, 2024•13 min•Season 1Ep. 103
In this episode of Is It Covered?, Brian and Bruce Chapman from JD Chapman Insurance take you through a real-life hailstorm claim, breaking down the insurance process step-by-step. From understanding coverage to proactive claim prevention tips, this episode is packed with valuable insights on how insurance works in action. Visit our website www.jdchapmaninc.com or call us at (315) 986-4062 for all your insurance needs—JD Chapman Insurance, we’ve got you covered!...
Nov 11, 2024•21 min•Season 1Ep. 102
