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.
A visitor fell on their own, and the video proved it. Why cameras, documentation, and real liability coverage protect Florida property owners from meritless injury claims, and why further reform still matters.
Sending one AI-written quote request to many Florida agents gets you the cheapest policy, not the right one. What the email looks like, what comes back, and what to do instead.
The county values a Sarasota plaza by its rent, not by what it costs to rebuild. Insure to that number and the coinsurance clause cuts every claim, not just the total loss.
Florida law bars Citizens from insuring a home that costs 700,000 dollars or more to rebuild. On Siesta Key and Longboat Key that is most houses. What the real plan looks like when private carriers say no.
Florence came ashore at Wrightsville Beach as a Category 1 and did most of its damage with water. A Wilmington plaza carries three policies for that storm. Here is how they fit, and where they leave a gap.
A plaza owner with a personal umbrella and a commercial umbrella can still be uninsured for the same parking lot accident. One sentence in the LLC wording and one missing endorsement decide it.
A Charlotte plaza owner with a clean loss history opens a renewal that costs more and pays less. The reason is on the roof, not in the claims file. Here is the hail math and the re-roof math.
A three million dollar bayfront home on Longboat Key cannot go to Citizens. State law shuts the door at 700,000. Here is what Chubb, PURE and Vault are actually underwriting, and where the house goes when they pass.
Old Dominion non-renewed every property policy on a shopping center I managed. Florida and North Carolina both give you 45 days. Here is what to do with each of them, and why the reason on the letter decides everything.
A slip-and-fall letter from a billboard law firm, and the parking lot video that ended it. Why cameras are the cheapest liability defense for Florida strip center, plaza, and commercial property owners, how to set them up, and what footage does to a premises claim.
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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