Article 2661

The insurer is not liable to indemnify for damage resulting from natural loss, diminution or losses sustained by the property caused by an inherent defect in or the nature of the property.

Unless the policy provides otherwise, the insurer is not liable to the extent that the insurer proves that the loss or damage was caused by an international or civil war (whether declared or not), terrorism, strikes, riots or civil commotion, spontaneous combustion, explosives, ionizing radiation, radio activity contamination, and any nuclear fuel or waste or nuclear weapons assemblies.