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  • Tents, Fires and Forest Friends

    Tents, Fires and Forest Friends
    2025/08/12
    Ever wondered what happens if your cozy campfire goes rogue? In this sizzling episode of "Is It Covered?", Bruce and Brian Chapman of JD Chapman Insurance Agency tackle a scorching scenario: accidental forest fires while camping!

    😱Join our father-son duo as they break down:• The shocking truth about homeowner's liability for forest fires• Why your insurance might save your bacon (but not the trees)• How a simple campfire can turn into a million-dollar nightmarePlus, special guests Kevin and Trevor drop some fire-hot knowledge on risk mitigation and real-world liability hazards. You'll never look at a wrinkled restaurant rug the same way again!

    👀🔥 Hot takes:• "If you accidentally set a forest fire, your homeowner's liability would kick in." - Brian Chapman• "I pointed down at it and go, 'liability hazard!'"

    - Kevin's restaurant rug revelationDon't let your summer fun go up in smoke! Tune in for expert advice, laughs, and answers to the burning question: Is it covered?

    Subscribe now and email your wildest "Is It Covered?" scenarios to brian@jdchapmaninc.com. We might feature YOUR story in our next episode!
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    6 分
  • Returning From Vacation to a TRASHED Home

    Returning From Vacation to a TRASHED Home
    2025/08/05
    You’re soaking up the sun on vacation when a neighborhood teen decides your empty house is the perfect spot for a party. The result? Broken furniture, trashed rooms, missing valuables—and a big insurance question.

    In this episode of Is It Covered?, hosts Bruce and Brian Chapman are joined by Trevor Chapman (President of JD Chapman) and longtime agent Kevin Musi to break down a real-life “vacation vandalism” scenario. From property damage to stolen items and even liability if someone gets hurt, we explore how your homeowners policy might respond—and where gray areas can trip you up.

    ✓ How vandalism coverage works under a homeowners policy
    ✓ When valuables like jewelry or collectibles require extra coverage
    ✓ Why liability protection matters, even when you’re the victim

    Whether you’re a homeowner, an insurance agent, or just curious about how coverage works when things go wrong, this episode will change the way you think about leaving your home unattended.

    🎧 Listen now—and learn why good neighbors, the right coverage, and an umbrella policy might save you from a post-vacation nightmare.

    Have a claim scenario you want us to cover? Email Brian@jdchapmaninc.com

    #InsuranceClaim #HomeInsurance #Vandalism #VacationGoneWrong #JDChapman #IsItCovered
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    8 分
  • My Neighbor's Tree Branch DESTROYED My Pool

    My Neighbor's Tree Branch DESTROYED My Pool
    2025/07/29
    A sunny summer day takes a sharp turn when a falling tree branch tears through your pool liner—and suddenly you’re watching thousands of gallons of water pour into your yard... or worse, your basement.

    In this episode of Is It Covered?, hosts Bruce and Brian Chapman are joined by Trevor Chapman (President of JD Chapman) and longtime agent Kevin Mucci to break down one of the trickiest summer claim scenarios: damage to your pool. Is it covered under your homeowner’s policy? What if it’s your neighbor’s tree? And what happens if your dog, your sump pump, or your form type gets involved?

    ✓ When pool damage is (and isn’t) covered by insurance
    ✓ How other structures and personal liability come into play
    ✓ Why clear communication with your agent can prevent surprises

    Whether you're opening your pool or just trying to avoid a claim mess, this episode explains the nuances that can turn your backyard oasis into an insurance gray area.

    🎧 Listen now—and learn why “it depends” might be your least favorite answer.

    Have a summer claim story you'd like us to break down? Send it to Brian@jdchapmaninc.com!


    #InsuranceClaim #HomeInsurance #PoolDamage #TreeDamage #SummerClaims #JDChapman #IsItCovered
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    7 分
  • What Happens When Your Dog Attacks Someone

    What Happens When Your Dog Attacks Someone
    2025/07/22
    Your friendly dog accidentally hurts someone! Was it a bite or were they just giving an overly excited greeting? You've got a lawsuit on your hands and need to know who will pay for this. We breakdown the insurance claims and answer Is It Covered?

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

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

    #insurance #insuranceclaims #dogbites #petclaims #liabilityinsurance #JDChapman #dogowners #homeowners
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    9 分
  • BBQ Gone Bad!

    BBQ Gone Bad!
    2025/07/15
    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 分
  • My House Is COMPLETELY Flooded

    My House Is COMPLETELY Flooded
    2025/06/24
    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 分
  • How to Restore Your Home After Fire Damage

    How to Restore Your Home After Fire Damage
    2025/06/17
    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 分
  • Insurance Limits Exhausted: Now What?

    Insurance Limits Exhausted: Now What?
    2025/06/03
    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 分