534. Contribution
Where several fire policies are effected by one person on the same property with several insurance companies, the assured can, in the absence of any stipulation to the contrary, recover from any one company the whole amount which it has insured, without taking into account the amount he or she has insured with the other companies, and he or she can then claim the remainder of the loss from the latter.
Fire policies usually contain conditions which exclude or modify this rule of law.