Before any damage is repaired, it shall be surveyed by a representative of the assured and a representative of the insurer.
The representatives shall submit survey reports, in which they describe the damage and state their opinions as regards the probable cause of each individual item of damage, the time of its occurrence and the costs of repair.
If one of the parties so requires, the representatives shall, before the damage is repaired, submit preliminary reports in which they give an approximate estimate of the costs of repairs.
If there is disagreement between the representative of the assured and the representative of the insurer, the parties may appoint an umpire who shall give a reasoned opinion of the questions submitted to him. If the parties cannot agree on the choice of an umpire, he shall be appointed by a Nordic average adjuster.
Neither the assured nor the insurer may petition for a judicial valuation of the damage, unless this is required by the laws of the relevant country.
If the assured, without compelling reasons, has the MOU repaired without any survey being held or without notifying the insurer of such survey, he has, in addition to the burden of proof under Cl. 2-12, the burden of proving that the damage is not attributable to causes not covered by the insurance.