2616. Where the insured property is warranted free from particular average, either wholly or under a certain percentage, the insurer is nevertheless liable for salvage charges, and for particular charges and other expenses properly incurred pursuant to the provisions of the suing and labouring clause in order to avert a loss insured against.
A general average loss may not be added to a particular average loss to make up the percentage stipulated in the contract. Likewise, no regard is had to particular charges and the expenses of and incidental to ascertaining the loss.