You can't control what you landlord chooses to do, but--1) You do not need to, and should not, support her doing this; for example, do not tell anyone that was the case, don't sign any paperwork supporting her claim, etc. What your landlord is doing is insurance fraud--a crime, as well as grounds to be sued by the insurer. You don't want any part of that.2) If you have your own renter's insurance, you want to be able to submit your own claim--which you can't, if you're supporting your landlord's claim.