Patrick A. Randolph, Jr . Blackwell Sanders Peper Martin Kansas City, Missouri Readers are urged to respond, comment, and argue with the daily development or the editor's comments about it.
Fire insurance secured by a landlord is obtained for the benefit of landlord and tenant.
Thus, in the absence of an express agreement or lease provision, a landlord's carrier can not obtain subrogation against the tenant. A landlord's property insurer brought a subrogation action against tenants to recover for fire loss. The insurance company alleged that the fire originated in an apartment occupied by three university students. In particular, the wiring in the ceiling fan that had been installed by one or two of the three students. Installation of the ceiling fan was a violation of the lease's rules and regulations.