ORIENTAL INSURANCE COMPANY LTD Vs. DUROFLEX PRIVATE LTD.

JUDGEMENT

(1.) The present First Appeal has been filed under Sec. 19 of the Consumer Protection Act, 1986 ('the Act') against the Order dtd. 10/12/2014 passed by the learned Tamil Nadu State Consumer Disputes Redressal Commission Chennai (hereinafter referred to as 'the State Commission'), in Consumer Complaint No. 57 of 2012, wherein the Complaint filed by the Respondent was partly allowed.

(2.) For the sake of convenience, the parties in the present matter being referred to as mentioned in the Complaint before the State Commission. 'M/s. Duroflex Private Ltd' is identified as Complainant/ Respondent and "The Oriental Insurance Company Ltd." is referred to as the Appellant/Opposite Parties/Insurer.

(3.) Brief facts of the case are that on 19/10/2009 at about 03.20 AM Fire broke out at the Complainant's manufacturing unit situated at Kumaranapalli Village, Denkanikottal Taluk, Krishnagiri District, TN during Deepavali festival and the cause of fire was bursting of crackers in vicinity and the splinters falling on the roof of the factory. The complainant covered the establishment under the Standard Fire and Special Perils Insurance Policy Nos.441901/11/2009/406 and 441901/11/2009/466.