American National Property and Casualty Company issued an insurance policy to Robert Houston, insuring certain residential property and its contents against fire and other hazards. Twenty months later, Houston issued a quitclaim deed to the property to John and Judy Sykes, reserving a life estate for himself. The American policy was renewed continuously by John, even after Houston died. When a fire substantially damaged the property, John filed a claim with the insurer on behalf of Houston, whom John said was out of town and unavailable. On learning that Houston had died, American refused to pay, claiming that it had no liability. Who will suffer the loss under these circumstances? Why? How might this loss have been avoided? Explain. [American National Property and Casualty Co. v. Sykes, 2016 WL 390069 (S.D.Miss., E.Div. 2016)] (See Types of Insurance.)