A normal day turns into a hazmat nightmare when a reptile enthusiast’s home setup goes terribly wrong—and suddenly a basement full of exotic pets needs professional cleanup.In this episode of Is It Covered?, Bruce and Brian Chapman break down a real insurance claim where heat lamps, home businesses, and policy exclusions all collide in the worst way.✓ Why exotic pets and home businesses need special insurance✓ What typical homeowners policies exclude (and why)✓ How one electrical malfunction led to a very expensive lessonWhether you're an insurance agent or just wondering how far your policy really protects you, you’ll want to hear this one. (And maybe check your heat lamps.)🎧 Listen now—and learn why "covered" isn't always guaranteed.Interested in talking with Bruce or Brian about your insurance needs? Reach out!📧 [email protected] | 📧 [email protected] | ☎ 315-986-4062#InsuranceClaim #HomeInsurance #BusinessInsurance #PetInsurance #RealInsuranceQuestions

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