ORIENTAL INSURANCE CO. LTD. Vs. AB. GANI MATOO

JUDGEMENT

(1.) Heard Mr. N.H. Khuroo, learned Counsel for the Appellant as well as Mr. Noor-ul-Amin, learned Counsel for the Respondent.

(2.) The Appellant-Oriental Insurance Company Limited, Srinagar has preferred this Civil First Miscellaneous Appeal (for short 'the Appeal'), questioning the validity and legality of the judgment and order dated 5.8.2009 rendered by the Jammu and Kashmir State Consumer Disputes Redressal Commission, Srinagar (hereinafter referred to as 'the Commission') in Complaint No. 12/2004, which was preferred by the Respondent.

(3.) The case in brief, projected by the Respondent before the Commission, is that he owned two storeyed house with Attic having been used both for residential and commercial purposes, situated at the main market of the town of Sopore known as ''Chota Bazar''. A shop was also running in the said premises. The said house had a cover of insurance policy for Rs. 6.00 lacs and household articles lying there were insured for Rs. 1.00 lac. Number of the Insurance Policy was 23421/11/94/000457 and it was being in force when the incident took place on 27.11.1993.