We unfortunately are dealing with a fire that started next door to our commercial building which spread to our roof and second floor of the building. This is our first time with filing a claim with the insurance company. We have two tenants that have retail businesses that are not able to operated due to the fire. We noticed in our policy that we have loss of rents but now one of our tenants wants to get out of the lease all together since his business has basically stopped. Has anyone gone through something like this and can give insight on how this usually works. They are unable to pay rent and want to move their business. They did mention subrogation to go after the neighbors insurance. Any insight is appreciated.