Salvage charges incurred in preventing a loss by perils insured against may be recovered as a loss by these perils. Salvage Charges means the charges recoverable under maritime law by a salvor independently of contract. They do no include expense of services in the nature of salvage rendered by the assured or his agents or any person employed for hire by them, for purpose of averting a peril insured against. Such expenses, where properly incurred, may be recovered as particular charges or as a general average loss, according to the circumstances under which they were incurred. Salvage charges incurred in connection with an insured peril are recoverable under insurance policies.