Hi @randy_mounts welcome to Zwift forums.
What app do you use to track your outdoor runs?
The H10 is capable of broadcasting two Bluetooth signals simultaneously, so in theory, it can bond to whatever app you use outside and to Zwift at the same time.
For the purposes of troubleshooting, you may want to force-close the outdoors app on your smartphone. Maybe consider powering off your phone to test this idea, so that only your iPad is powered on?
Also make certain that the Polar HRM’s two signals aren’t being hijacked by some other source, such as iOS’s list of stored Bluetooth devices, or a runner’s watch.