Is It Covered?
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.Whet...
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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 p...
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.<br /><br />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 st...
Volunteer Event Injury Raises Big Questions
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?<br /><br />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 when you’re on your own.<br /><br />✓ How workers’ comp applies during volunteer events<br /> ✓ The difference between on-the-cloc...
Street Fight Leaves Shop Windowed Shattered
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.<br /><br />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 “simple” claims can get.<br /><br />✓ How commercial property insurance responds to vandalism and accidents<br /> ✓...
Delivery Driver Runs Someone Over
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?<br /><br />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.<br /><br />✓ What Hired & Non-Owned Auto (HNOA) covers for businesses using employee vehicles<br /> ✓ Why a driver’s personal auto can deny claims for deliveries/commercial use<br /> ✓ How liability is split...
Street Fight Leaves Storefront Shattered
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.<br /><br />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 “simple” claims can get.<br /><br />✓ How commercial property insurance responds to vandalism and accidents<br /> ✓...
Cash Vanishes From The Shop Overnight
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?<br /><br />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 answer isn’t always simple.<br /><br />✓ Why cash losses often fall into in...
Board Members Sued for Mismanaging Money
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.<br />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.<br /><br />✓ Why serving on a board can expose you to personal liability<br />✓ What Directors & Officers (D&O) insurance actually covers<br />✓ The difference between nonprofit boards and...
Medical Bills After a Motorcycle Crash
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?<br /><br />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.<br /><br />✓ Why motorcycle insurance differs from auto insurance<br />✓ How liability coverage works when you damage property or injure others<br />✓ What happens to your o...
When a Lemonade Stand Turns Into a Lawsuit
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.<br /><br />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 fun” and “running a business,” we dig into how policies respond when things go wrong.<br />...
