Law360 (January 6, 2011, 4:14 PM EST) -- Understanding ownership interests and insurance obligations for tenant improvements and betterments, furniture, fixtures and equipment, and other "personal property" within leased premises can be tricky, with multiple factors involved in the analysis. In the event such property is damaged or destroyed, landlords, tenants and their property insurers must take into account the obligations of the landlord and the tenant under any lease in effect at the time of a loss, as well as the coverage provided by the landlord's insurance policy and tenant's insurance policy.
The applicable language of those various contracts is often in conflict and can be less than...
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