Is It Covered?

Your Pipes Burst And Flood Your Basement

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

25-Car Pileup in a Whiteout

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

Your Plow Guy Damages Your Garage Door

❄️ 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

Ice Dams Ripped The Gutters Off My House

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

We Bust The Biggest Myths of Insurance with Josh Patterson

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