res perit domino

from Bouvier's Law Dictionary, Revised 6th Ed (1856)
RES PERIT DOMINO. The thing is lost to the owner. This phrase is used to 
express that when a thing is lost or destroyed, it is lost to the person who 
was the owner of it at the time. For example, an article is sold; if the 
seller have perfected the title of the buyer so that it is his, and it be 
destroyed, it is the buyer's loss; but if, on the contrary, something 
remains to be done before the title becomes vested in the buyer, then the 
loss falls on the seller. See Risk. 
    

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