The insurer shall be subrogated by operation of law for what they have paid as compensation for the fire in the claims that the insured may have against the person who caused the damage from which the insurer's liability arose, unless the person who caused the damage is a spouse, relative, or in-law of the insured with whom they live in one household, or a person for whose acts the insured is responsible.
Interpretation and application must be checked against the official text and current version.