New York subscriber

Generally, when a tenant makes an improvement to leased property—such as adding a new store front—the actual improvement reverts to the building owner and the tenant's interest in the improvement is using it during the leased period; thus, "use interest." Depending on who restores the improvement, the CP 00 10 provides different methods of recovery. If the tenant promptly repairs or replaces the damaged improvement, recovery is actual cash value (or replacement cost if the insured carries replacement cost coverage), as if the insured owned the improvement. If the landlord pays to restore the damaged improvement, the tenant recovers nothing. If the improvement is not promptly repaired or replaced, the tenant recovers a proportion of the original cost of the improvement.

So, if the landlord actually makes the repairs, he is entitled to recover under his building policy.