UNITED INDIA INSURANCE CO LTD Vs. S THANGARAJU

JUDGEMENT

(1.) The complainant/respondent obtained an insurance policy from the petitioner Company insuring the stock kept in his shop against loss by fire and allied perils, for the period from 27.12.2002 to 26.12.2003. The case of the complainant is that in a fire which broke out due to electric short circuit in the night of 16.10.2003, the stock of textiles, wooden materials got burnt alongwith account books, stock register, purchase bills etc. On a claim being lodged with the Insurance Company, a Surveyor was appointed by the Insurance Company to assess the loss sustained by him. The claim was rejected by the Insurance Company vide its letter dated 17.04.2006, which, to the extent it is relevant, reads as under:-

(2.) Being aggrieved from the rejection of the claim, the complainant approached the concerned District Forum, by way of a complaint. The complaint was resisted by the Insurance Company broadly on the same grounds on which the claim had been repudiated by it. Vide its order dated 27.04.2010, the District Forum allowed the complaint in the following manner:-

(3.) Being aggrieved from the order passed by the District Forum, the Insurance Company approached the concerned State Commission, by way of an appeal. Vide impugned order dated 08.08.2013, the appeal was partly allowed in the following manner:-