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Is It Covered?

Is It Covered?

By: ROC Vox Podcast Network
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About this listen

 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.

Whether you’re a first-time insurance buyer or a seasoned business owner, tune in for stories, tips, and advice that help you protect what matters most.©2024 JD Chapman, Inc. Economics
Episodes
  • Tents, Fires and Forest Friends

    Tents, Fires and Forest Friends
    Aug 12 2025
    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 mins
  • Returning From Vacation to a TRASHED Home

    Returning From Vacation to a TRASHED Home
    Aug 5 2025
    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 mins
  • My Neighbor's Tree Branch DESTROYED My Pool

    My Neighbor's Tree Branch DESTROYED My Pool
    Jul 29 2025
    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 mins
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