October 20, 2025
Florida’s First District Court of Appeal issued an important opinion regarding Actual Cash Value/Replacement Cost Value (ACV/RCV) in property insurance policies.
In Bailetti v. Universal, the appellate court confirmed the final judgment in favor of …
“The great thing about reading your newsletter Lisa, is that I can 100% trust that the info in it is completely accurate. Thank you for the time that you invest in this newsletter to keep everyone informed on new things going on in the industry.”
“Keep informing and fighting!”
“Thank you Lisa for staying on top of, as well as advocating, for Florida residents and legislative reform. Your newsletters are very informative and enjoy reading the points of view.”
“Hello Lisa, EXCELLENT articles! I love your newsletter. Already shared with my office!”
“I do not know how to say in words the heartfelt thankfulness that you took the time to listen to me, heard me, and then TOOK action to get something done after the long emotional and FINANCIAL struggle with…the hardship of paying upfront for all the repairs from Hurricane Sally. I cannot say enough of how I appreciate you, your attitude of wanting to help people and the next step to actually take action to do something is amazing.”
“Lisa is a wealth of knowledge and produces some very useful content. I read her newsletter every week, it has great content, and I learn a lot. Thank you for being such an advocate Lisa and educating all of us.”
“Just a quick note to say I always enjoy reading your newsletter. I have found many occasions to share it with family and friends who can’t understand why their insurance is expensive, as well as fellow employees. It is a great source of information in general, and especially helpful during the hectic times when work requires that I focus more narrowly on the task at hand, as it helps me keep sight of the big picture.”
“Lisa is truly an insurance industry dynamo who operates her business with integrity and zealous representation. She is the person that legislators call upon when they have questions regarding necessary insurance reforms. Lisa is a tireless advocate for the protection of all Floridians and their property.”
“Just wanted to say that I thoroughly love your newsletter. It’s is always informative and insightful to the ins and outs of our industry. You are an inspiration and an important asset in the insurance world. Keep up the great work!”
“Your newsletter is fabulous! I greatly appreciate the topics you expose, so that insurance professionals like myself can keep up with the latest events that affect the public we serve and ourselves.”
“Keep up the great work, Lisa! I enjoy your updates!”
“Lisa this is another great newsletter, and we appreciate the time and energy you put into these informative updates – you are on top of these topics!”
“A high-profile attempt to undo recent litigation reforms that helped stabilize the insurance market was successfully defeated. We’re grateful to trusted experts like Lisa Miller (former Florida Deputy Insurance Commissioner, now one of the state’s top insurance advocates) for providing ongoing updates during every legislative session.”
“I have followed your weekly newsletter and podcasts and now have a full appreciation for what you bring to this industry. You are an inspiring force, plain and simple. I wanted you to know that you make a difference. Thank you for all you do!”
“What a great outreach and platform. God Bless.”
“I wanted to write to tell you that this newsletter is the best in the industry. I look forward to it every week! Thank you for all that you do.”
“Great article on Risk Rating 2.0!”
“Wow, what a great picture and worth a thousand words! I’ve been reading/listening religiously to your newsletters/podcasts. They’ve been a tremendous source of information. Thank you!”
“Lisa, I was delighted to get your newsletter. It is very professional and a great read about what’s going on. It was good to see you doing the things you’ve always done so well. You were always a great source of input when I was in the Capitol and glad to see you are still providing such great assistance.”
“Thank you for all you do for the industry and the Verisk team. We are forever grateful and excited for the future. Getting your insight in my inbox is exactly what I need!”
“Another great Newsletter on Florida industry this week. Your service and advocacy in Florida is very important to keeping me updated and apprised of the Florida insurance laws, trends and overall environment. Something similar is very much needed in Louisiana, too.”
“I absolutely loved your AM Best Interview – watched it twice! You have always been so impressive and inspiring to the insurance profession. The interview packed so much information into just a few minutes. Thanks for sharing. Please don’t stop, we all enjoy your insight.”
“Thank you, Lisa, for your tireless work on behalf of the industry and the citizens of Florida. This post is incredibly comprehensive and helpful. Stay safe my friend.”
“Lisa, you will always be a public servant and your newsletters have shared valuable information to many. These newsletters are not five minute follow up reports. You’ve been to these disasters first hand and understand people lose everything and the elderly are the most vulnerable. It’s truly sad. Thank You for being sincere, when most are looking for ratings.”
“Just a quick note to let you know how much I have appreciated your newsletter over the years and the assistance they offer for those in the field of claims. We depend on the information more than you will ever know!”
“I really do enjoy your newsletter – it is fantastic for the insurance industry in Florida.”
“Wow, what a dazzling amount of expertise and content, Lisa! You continue to amaze after 40-years of being amazing. Your newsletter is extraordinary. Congratulations!”
“I really like your newsletter. It’s informative and to the point, even to the layperson. You are absolutely an asset to your industry. Keep it up please!”
“You are under-thanked and under-appreciated for all the work you do for our industry but I’m one guy who really appreciates the information you gather and share. Many times I pass it along to my clients. Many thanks.”
“Lisa, thank you for sending your newsletter to me. It keeps me up with news I can use. I hope all is well with you and wish you continued success.”
“Thank you for the information. I enjoy the info that you share and in turn, I share with my daughter and her husband. Sending love and best wishes to you!”
“Lisa Miller is a true champion for the insurance industry, with her regular updates! We appreciate all you do and keeping us up to date on priority issues!”
“Congrats on your 17- year anniversary at Lisa Miller & Associates®! You have created an awesome legacy and helped numerous companies, agents, and clients! Enjoy listening to your podcasts and reading your newsletter! Best way to keep up with what is happening in the FL insurance world.”
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