Is It Covered? Podcast By ROC Vox Podcast Network cover art

Is It Covered?

Is It Covered?

By: ROC Vox Podcast Network
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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 to commercial insurance and everything in between, Is It Covered? takes the complexity out of insurance while keeping it interactive and relatable.

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.©2024 JD Chapman, Inc. Economics
Episodes
  • Your Plow Guy Damages Your Garage Door

    Your Plow Guy Damages Your Garage Door
    Mar 24 2026
    ❄️ 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 mins
  • Ice Dams Ripped The Gutters Off My House

    Ice Dams Ripped The Gutters Off My House
    Mar 17 2026
    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 mins
  • We Bust The Biggest Myths of Insurance with Josh Patterson

    We Bust The Biggest Myths of Insurance with Josh Patterson
    Nov 18 2025
    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 mins
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