1. Byron Koukaras PAT Bedara

2.  Appeals court held that it would not be in the interest of equity to require a houseguest to be liable to an insurance company that paid for the loss suffered by the homeowner due to a fire started by the negligence of the houseguest. There is no right of subrogation in such instance.

3.  Subrogation: The substitution of one person or group by another in respect of a debt or insurance claim, accompanied by the transfer of any associate.  Houseguest: A guest entertained in your house.

4.  Reversed subrogation clauses in homeowners insurance policies state that the insurer may require an assignment of rights of recovery and that the insured must cooperate. It is a concept rooted in doctrines of equily and applied by operation of law.