The carrier has denied payment for covered damage to our insured tentant's improvements and betterments based on a clause in the lease that states that all additions, alterations, etc. become the property of the landlord and, consequently, the insured has no insurable interest in that property. The adjuster who wrote the letter advised me that she is instructed to issue these letters and the directive to do so comes from people much higher than her or her manager. Huh?

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