(1) Expenses incurred by the policyholder in loss avoidance or minimisation, as well as the costs of the ascertainment and establishment of the loss, are also reimbursed by the insurer insofar as they do not exceed the sum insured when added to the remaining compensation.
(2) If expenses have been incurred in loss avoidance or minimisation, or in the ascertainment and establishment of the loss, or to restore or improve the property damaged by the insured event, or contributions have been made to gross average, or if the policyholder has become personally liable to pay such contributions, the insurer reimburses the loss caused by the subsequent occurrence of the insured event, without consideration for the earlier expenses and amounts to be reimbursed by him or her.