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 plow claim that covers everything from garage door damage to dangerous snow piles blocking traffic.Whether you're a homeowner hiring a plow contractor or someone running a plow business on the side, this episode is packed with real-world insight you don't want to miss.⏱️ TIMESTAMPS00:00 – Introduction & Disclaimer00:28 – Welcome to the Winter Edition01:18 – The Multi-Scenario Snow Plow Claim02:17 – What Insurance Does a Plow Operator Need?03:16 – Personal Auto vs. Commercial Auto Policy04:10 – How General Liability Coverage Works05:31 – Advice for Homeowners Hiring Plow Contractors06:24 – Is It Covered? The Verdict07:13 – Outro & How to Submit Your Claim Scenarios🎯 IN THIS EPISODE YOU'LL LEARN:+ Why a personal auto policy won't cover you if you're plowing for money+ The business exclusion clause that could leave you footing the bill+ What a commercial auto policy + general liability policy covers for snow plow operators+ How a dangerous snow pile can create liability — even if you didn't cause the accident directly+ Why homeowners should always ask contractors for proof of insurance+ What happens if you don't salt and someone slips and falls📬 HAVE A CLAIM SCENARIO?Submit your real or hypothetical claim scenarios to: brian@jdchapmaninc.com🌐 LEARN MORE:Website: www.jdchapmaninc.comPhone: (315) 986-4062#InsurancePodcast #InsuranceClaims #SnowPlow #Driveway #SlipAndFall #Rochester #SnowProblems #CommercialInsurance #IsItCovered #JDChapman