Cal. Insurance Code § 532 : California Insurance Code — General Rules Governing Insurance — Loss — Causes Of Loss — Peril specially excepted and loss would not have occurred except for peril Date: 15 Sep 2016 TEXT PDF Current through the 2016 Legislative Session If a peril is specially excepted in a contract of insurance and there is a loss which would not have occurred but for such peril, such loss is thereby excepted even though the immediate cause of the loss was a peril which was not excepted. Ca. Ins. Code § 532