ORIENTAL INSURANCE CO. LTD. Vs. ISHWAR SINGH

JUDGEMENT

(1.) Revision petition no. 660 of 2013 has been filed against the order dated 05.09.2013 of the Haryana State Consumer Disputes Redressal Commission, Panchkula ('the State Commission') in Appeal no. 1055 of 2005.

(2.) The facts of the case as per the respondent/ complainant are that the respondent is the sole proprietor of firm styled Haryana Handloom Shop, Hisar Cantt. Hisar. The respondent's firm deals in the purchase and sale of handloom material suiting's, shirting such as bed sheets, bed cover, curtain cloth, velvet, Belgium, khes, material, TV and fridge and table cloth, pillows etc. The respondent got the material of the shop along with fitting of furniture insured from the petitioner/ opposite party Oriental Insurance Company Ltd., Hisar, vide cover note no. 040048 dated 18.01.2002 for a period of one year by paying the premium amount.

(3.) On the intervening night of 5/6.06.2002 a fire broke out due to short-circuit in the shop/ showroom of the respondent and the entire material along with the furniture worth Rs.15 lakh was burnt and destroyed in the said fire. There was also an extensive damage to the shop of the respondent due to fire. Matter was reported to the police as well as the fire brigade. Insurance Company was also informed about the damage of the material in the fire. The insurance company appointed M/s Duggal Gupta and Associates, Surveyor and Loss Assessor, Chandigarh who came to the showroom of the respondent and inspected the shop. The said surveyor required some documents from the respondent which were duly supplied by the respondent. The respondent completed all the formalities as required by the insurance company and the surveyor appointed by the petitioner. The respondent also supplied all the documents as required. However, the petitioner company did not settle the claim despite the entire satisfaction and the respondent kept on visiting the office of the insurance company in order to get the claim.