Hendrickson Insurance
Plain-spoken insight on Florida insurance, homeowners, auto, flood, condo, and commercial property, plus the operational realities of owning Gulf Coast real estate. Written by Dennis Hendrickson from experience, not theory, for property owners across Sarasota, Bradenton, Venice, Lakewood Ranch, Tampa, St. Petersburg, and Clearwater.
FloodSmart.gov will now sell you a federal flood policy online with no agent, and a state insurance commissioner just told agents to get on the list it hands buyers. The price is identical. Here is what is not.
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A yacht ran aground near Fort Lauderdale and the insurer denied the whole claim over a fire system that had nothing to do with it. The Supreme Court let the policy's New York law clause stand.
Commercial auto liability keeps rising. What AM Best, the verdict data and DOT's licensing audits show about why, and what a Florida fleet owner controls.
Florida law stops an insurer from declining a home over roof age alone, but only until the roof turns 15. What happens at year 16, what the inspection has to show, and how to keep the quote alive.
What a Florida tech startup should insure: E&O for the software, general liability with products and completed operations, cyber, and where AI coverage stops.
Anthropic's IPO filing says some AI risks may be uninsurable. CNBC asked me where coverage stands today. Cyber handles the data and the dollars. Nobody is covering the person who gets hurt, and that is the gap to fix now.
A Florida homeowners policy can show 500,000 dollars of contents coverage and still pay 1,500 dollars when a 40,000 dollar ring is stolen. The clause that does it, and how scheduling fixes it.
Helene drowned Asheville's riverfront businesses 400 miles from landfall, and about one in ten commercial properties in the region had flood insurance. Why the lender's flood map is the wrong test for a plaza on a creek.
Florida has no single dumpster rule, only city rules. Why an open lid or a missing enclosure becomes a code file, and what a grease program adds when a plaza has a restaurant.
The federal flood policy stops at 250,000 dollars on the house and 100,000 on what is inside it. On a 2 million dollar Gulf-front home, that is the floor. How excess flood is built on top, and why the order matters.
Big brokerages bought the small agencies. Now many Florida private client homeowners get a service center. What it costs you, and when to stay put.
Dennis Hendrickson changed a New Jersey state tennis rule at 17 and played four years of Division I tennis at UNC Charlotte. Today he writes both the commercial and the personal insurance for Gulf Coast owners himself, and he works a renewal or a claim the way he played: nothing conceded, no point given away.
When you apply, he answers. Every application goes straight to Dennis. He reads it himself and responds the same business day in most cases, always within 48 hours.
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