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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,…
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…
❄️ 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…
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…
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…
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…
A delivery run goes sideways when a company truck collides with a passenger car. The scene is chaotic—police tape, crumpled vehicles, and questions about who’s at fault. In this episode of Is It Covered?, the team breaks down how accidents…
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. In…
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?…
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. In this episode of Is It…
