Before her insurer paid the claim, an insured signed a paper releasing the neighbor whose burning trash spread to her garage. The likely result is:

Explanation

Subrogation lets the insurer step into the insured's shoes and recover from the party at fault, and the policy requires the insured to do nothing that impairs that right. Signing a release destroys the recovery, so the insurer can reduce or deny payment to that extent. Collecting from both the insurer and the wrongdoer would also breach indemnity by leaving the insured better off than before the fire.