A destruction of the thing is the loss of its owner.

Explanation

(English-origin maxim.) When a thing is destroyed, the owner bears the loss — the destruction of the subject matter extinguishes the owner's rights in it.

Where this applies

• A barn full of hay catches fire and burns to the ground, and the farmer bears the entire loss because the hay was his property.
• A ship sinks in a storm and the cargo owner loses everything because the goods were destroyed — no claim lies against the carrier for an act of God.
• A homeowner's uninsured painting is destroyed in a flood, and the loss falls on her because she owned it.