RAVI SHANKAR SHARMA Vs. NATIONAL INSURANCE COMPANY LIMITED

JUDGEMENT

(1.) This appeal has been directed by the complainant against order dated 24.3.2006 passed by District Consumer Disputes Redressal Forum-II, U. T. , Chandigarh (hereinafter to be referred as District Consumer Forum) vide which the complaint of the appellant Sh. Ravi Shankar Sharma was dismissed being meritless.

(2.) The case of the appellant is that he had taken fire policy for his house from the National Insurance Company Limited vide cover note No.162749 dated 10.4.2001 whose copy is Annexure C-21. The insurance policy was effective from 10.4.2001 to 9.4.2012. However on the night intervening 27/28.1.2002 an earthquake occurred due to which his house was damaged and intimation were sent to National Insurance Company Limited having its branch at Chandigarh vide letter dated 26.2.2002 whose copy is Annexure C-1. Thereafter Surveyor and valuer was appointed and ultimately the claim was rejected on the ground that loss had not taken place on 27.1.2002 due to earthquake.

(3.) Alleging deficiency in service, the complaint was filed and prayed that Rs.1,05,000 be awarded as compensation for the loss caused to the house, Rs.1,00,000 be further awarded for reduction in the value of the house, Rs.50,000 for mental agony and harassment and further Rs.50,000 for unfair trade practice, besides Rs.10,000 as litigation expenses.