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...
Latest episodes
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7 min
Your Pipes Burst And Flood Your Basement
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 ho…
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9 min
25-Car Pileup in a Whiteout
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…
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9 min
Your Plow Guy Damages Your Garage Door
❄️ 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 pl…
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9 min
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…
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44 min
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-l…
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8 min
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 i…
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9 min
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 busine…
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9 min
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…
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9 min
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 busine…
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10 min
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…
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8 min
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 nam…
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8 min
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?In this episode of Is It Cov…
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7 min
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? Sudden…
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19 min
The Hidden Risk That Can Wreck Retirement
You’ve built up your savings, investments, and retirement plan—but one unexpected claim could derail it all. From out-of-pocket liability to asset protection, the overlap between i…
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6 min
Tents, Fires and Forest Friends
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…
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8 min
Returning From Vacation to a TRASHED Home
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 valuab…
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7 min
My Neighbor's Tree Branch DESTROYED My Pool
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…
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9 min
What Happens When Your Dog Attacks Someone
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 fo…
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8 min
BBQ Gone Bad!
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 yo…
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24 min
My House Is COMPLETELY Flooded
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 thi…