1. In case of losses due to risks guaranteed by the policy, except for civil liability.
As soon as the loss occurs the policyholder or insured shall employ all means at his or her disposal to save the insured property and lessen the consequences of the loss.
The policyholder, the insured or the beneficiary shall inform the insurer of the occurrence of the loss within a maximum of seven days as of the date on which they learn of it, unless a longer period has been agreed in the policy, and the insurer may file a claim for the damages caused by any failure to make this declaration, except when it can be shown that it had knowledge of the loss through other means.
Once the loss has occurred, and within a period of five days from the notification described in the preceding paragraph, the policyholder or insured shall inform the insurer in writing of the list of objects existing at the time of the loss and the list of those which were saved, indicating their value and an estimate of the damage.
The policyholder or the insured is also obliged to inform the insurer and when necessary, any legal authorities in the place where the loss occurred, of the date and time of the loss, its duration, any known or presumed causes, the means used to lessen its consequences, the circumstances under which it occurred, the type of property that was damaged and the approximate cost of any damages derived from it.
The policyholder or the insured must send the insurer an authentic copy of the proceedings of the legal declaration within a period of five days, as of its notification, accompanied by the list of all of the insured property existing at the time of the loss that was destroyed, deteriorated or salvaged, indicating its value.
18. Obligations in case of loss