Episodes

  • BBQ Gone Bad!

    BBQ Gone Bad!
    Jul 15 2025
    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 stupidity."
    • "If your grill starts a fire, it’s likely covered—unless you meant to do it!"
    • "Personal injury to guests? Covered. Household members? Not so much."
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    8 mins
  • My House Is COMPLETELY Flooded

    My House Is COMPLETELY Flooded
    Jun 24 2025
    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 your claim
    ✓ Why clear communication with your agent—and your plumber—matters

    Whether you're an insurance agent or a homeowner trying to avoid thousands in out-of-pocket repairs, this episode is packed with tips to help you stay dry, protected, and prepared.

    🎧 Listen now—and learn why the right words and the right response can make or break your claim.

    Interested in talking with Bruce or Brian about your insurance needs? Reach out!

    📧 Bruce@jdchapmaninc.com | 📧 Brian@jdchapmaninc.com | ☎ 315-986-4062

    🌐 https://rochesterrestoration.com/

    #InsuranceClaim #FloodDamage #WaterRestoration #HomeInsurance #MoldPrevention #SumpPump #RochesterRestoration #IsItCovered
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    24 mins
  • How to Restore Your Home After Fire Damage

    How to Restore Your Home After Fire Damage
    Jun 17 2025
    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 make after a disaster

    Whether you're an agent, homeowner, or just curious how recovery works when the smoke clears, this is Part 1 of a two-part series you don’t want to miss.

    🎧 Listen now—and learn why speed, honesty, and the right team matter most after a fire.
    Interested in talking with Bruce or Brian about your insurance needs? Reach out!

    📧 Bruce@jdchapmaninc.com | 📧 Brian@jdchapmaninc.com | ☎ 315-986-4062

    https://rochesterrestoration.com/

    #InsuranceClaim #FireRestoration #HomeInsurance #HouseFireRecovery #RochesterRestoration #IsItCovered
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    31 mins
  • Insurance Limits Exhausted: Now What?

    Insurance Limits Exhausted: Now What?
    Jun 3 2025
    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! Bruce and Brian dive into:
    • The hidden dangers of filing too many small claims (Spoiler: Your insurance company might show you the door! 🚪)
    • Why chatting with your agent before filing a claim could save your bacon 🥓
    • The surprising truth about uninsured motorist coverage (It's not what you think!)

    🎧 Subscribe now for a wild ride through the insurance jungle! You'll laugh, you'll gasp, and you'll definitely double-check your policy. New episode drops soon! Don't miss out on this insurance rollercoaster! 🎢

    Interested in talking with Bruce or Brian about your insurance needs? Reach out! 📧 Bruce@jdchapmaninc.com | 📧 Brian@jdchapmaninc.com | ☎ 315-986-4062
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    7 mins
  • Concert Chaos, Who Stole Our Gear?

    Concert Chaos, Who Stole Our Gear?
    May 27 2025
    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 homeowner's policy.
    🏠- Specialized Coverage: Learn about the inland marine policy—a must for professional musicians!
    🎻- Communication is Key: Why chatting with your insurance agent is crucial to ensure you're covered.
    📞Notable Quotes:- "Welcome to Is It Covered? Where we break down real stories and answer the big question, is it covered?" - Bruce Chapman- "Yes, I would say you'd have a whole separate policy for the band, and you'd have a policy called an inland marine policy." - Bruce Chapman
    Contact Us:- Email: brian@jdchapmaninc.com-
    Website: jdchapmaninc.com-
    Phone: 315-986-4062
    🎧 Subscribe now to catch this episode and ensure your band is ready for anything!

    #IsItCovered, #BandInsurance, #MusicGear, #InsurancePodcast, #JDChapmanInsurance, #InlandMarinePolicy, #PodcastTeaser, #InsuranceEducation,
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    6 mins
  • An AirBnB Owner's Worst Nightmare!

    An AirBnB Owner's Worst Nightmare!
    May 20 2025
    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 challenges of renting out your property. From wild parties to property damage, Bruce and Brian share an eye-opening tale about a friend's apartment disaster with burnt pots and holes in walls.

    Actionable Advice:- Check with your insurance agent before renting out your property.
    Disclose short-term rental activities to ensure proper coverage.

    Connect with Us:- Visit [jdchapmaninc.com](http://jdchapmaninc.com) for more insights.-

    Call us at 315-986-4062 for personalized advice.

    Subscribe now to stay informed and protected! 🎧✨
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    8 mins
  • Racing Gone Wrong! Who Pays for This?

    Racing Gone Wrong! Who Pays for This?
    May 13 2025
    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!

    🚚- Specialized Track Insurance: Learn about the must-have coverage for track enthusiasts. Bruce explains how these policies protect your vehicle from comprehensive and collision damage, even with high deductibles.

    📄- Why Proper Coverage Matters: Brian and Bruce emphasize the importance of consulting with your insurance agent before hitting the track. Safety first, fun second!

    🛡️- Types of Track Insurance Policies: From annual to per-event coverage, find out which option suits your racing needs. But beware—changing events without updating your policy could leave you unprotected!

    ⚠️Bottom Line? Ensure you're covered before you rev up those engines!

    🏁👉 Contact Us: For more insights, reach out to Bruce and Brian at brian@jdchapmaninc.com or visit www.jdchapmaninc.com.

    Call us at 315-986-4062 for personalized advice.Subscribe now for more thrilling insurance tales and expert tips!

    🎧IsItCovered, #TrackInsurance, #HighPerformanceDriving, #InsurancePodcast, #JDChapmanInsurance, #RacingSafety, #PodcastTeaser, #InsuranceAdvice,
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    8 mins
  • Hazmat Cleanup Needed After Reptile Incident | Is It Covered?

    Hazmat Cleanup Needed After Reptile Incident | Is It Covered?
    Apr 29 2025
    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 led to a very expensive lesson

    Whether you're an insurance agent or just wondering how far your policy really protects you, you’ll want to hear this one. (And maybe check your heat lamps.)

    🎧 Listen now—and learn why "covered" isn't always guaranteed.

    Interested in talking with Bruce or Brian about your insurance needs? Reach out!
    📧 Bruce@jdchapmaninc.com | 📧 Brian@jdchapmaninc.com | ☎ 315-986-4062

    #InsuranceClaim #HomeInsurance #BusinessInsurance #PetInsurance #RealInsuranceQuestions
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    6 mins