When a casualty has occurred, the insurer may avoid further liability by informing the assured that he will pay the sum insured.
Loss referred to in Cl. 4-3 to Cl. 4-5, Cl. 4-7 to Cl. 4-12 and Cl. 5-21, first sentence, is recoverable in excess of the sum insured according to the rules contained in Cl. 4-18 and Cl. 4-19, provided that it is attributable to measures implemented before the assured was notified of the insurer's decision.
In such case the insurer has no right to the object insured under Cl. 5-19.