Article 962. Reduction of losses from the insured event.
1. In the event of an insured event under the property insurance contract, the policyholder is obliged to take reasonable measures available in the circumstances in order to reduce potential losses. When taking such measures, the policyholder must follow the insurer's instructions if they are communicated to the policyholder. 2. Expenses to reduce the losses to be reimbursed by the insurer, if such expenses were necessary or were incurred to fulfill the instructions of the insurer, should be reimbursed by the insurer, even if the relevant measures were unsuccessful. Such expenses are reimbursed in proportion to the ratio of the insured amount to the insured value, regardless of the fact that, together with other damages, they may exceed the insured amount. 3. The insurer shall be exempt from indemnification of losses incurred due to the fact that the insured has deliberately failed to take reasonable and accessible measures to reduce potential losses.
References to other articles of chapter 48. Insurance: