In Western Heritage Ins. Co. v. Frances Todd, Inc. (No. A152428, filed 3/4/19, ord. pub. 4/2/19), a California appeals court held that a condominium association’s fire insurer was barred from suing a tenant in subrogation for fire damage under the rule that an insurer cannot subrogate against its own insured. The lease and the association covenants, conditions and restrictions (CC&Rs) established an intent that the fire insurance inure to the tenant’s benefit, making the tenant an “implied co-insured.”    Read the article…………………….