Article 1874. Causation of Loss

(1) Neither the policyholder nor the insured, as the case may be, shall be entitled to indemnity to the extent that the loss was caused by an act or omission on his part with intent to cause the loss. This shall include non-compliance with specific instructions of the insurer after the occurrence of the loss, if done recklessly and with knowledge that otherwise the loss would probably be aggravated.
(2) For the purposes of para. (1) causation of loss includes failure to avert or to mitigate loss.