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1. Loss the proximate cause of which is the peril insured against;
2. Loss the immediate cause of which is the peril insured against except where proximate
cause is an excepted peril;
3. Loss through the negligence of insured except where there was gross negligence amount to willful act; and
4. Loss caused by efforts to rescue the thing from peril insured against – if during the course of rescue, the thing is exposed to a peril not insured against, which permanently deprives the insured of its possession, in whole or in part
2. Loss the immediate cause of which is the peril insured against except where proximate
cause is an excepted peril;
3. Loss through the negligence of insured except where there was gross negligence amount to willful act; and
4. Loss caused by efforts to rescue the thing from peril insured against – if during the course of rescue, the thing is exposed to a peril not insured against, which permanently deprives the insured of its possession, in whole or in part
