Is It Covered?

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 liabili...

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 insu...

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 scenario...

 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 j...

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?...

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...

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 insuran...

$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, d...

 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 disabiliti...

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...

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...

🎙 "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 situati...

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...

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 prep...

 "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 p...

"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 bre...

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...

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...

Welcome to the first episode of Is It Covered?, the podcast where insurance gets real and relatable! Hosted by Brian Chapman and his father, Bruce Chapman, owners of the JD Chapman Insurance Agency, this episode dives into the agency's origins, spanning back to the 1950s. Bruce shares the fascinating history of how the family business started after WWII and the evolution of their insurance agency...