An assisted living community consisting of several buildings, one of which was used as a residential personal facility for the elderly, experienced a tragic fire. The sprinkler system was protected by a fire protection monitoring service, which had merged with the defendant.

Many years ago I reported on a case decided in California. Fireman’s Fund had paid various claims for burglary or fire losses and filed a lawsuit against alarm companies that had contracts with the plaintiff`s insureds, claiming subrogation to losses arising from property damage incidents sustained by insureds.

A recent case was filed by an insurance company as subrogee against an alarm company in Florida under the choice-of-law rules. The insured contracted with the alarm company to provide monitoring of its business facility.