ORIENTAL INSURANCE CO. LTD Vs. NARESH KUMAR JINDAL

JUDGEMENT

(1.) This revision petition has been filed by petitioner Oriental Insurance Company Ltd. against the order dated 02.06.2010 passed by the State Consumer Disputes Redressal Commission, Delhi, (in short 'the State Commission') in First Appeal No.245 of 2007.

(2.) Brief facts of the case are that the respondent owned a building in Shalimar Bagh, New Delhi and had obtained householder's insurance policy from the petitioner Insurance Company which covered insurance for the building of Class A, construction for a sum of Rs.15,00,000/- covering risk against fire and allied perils to the tune of Rs.3,73,000/-; for burglary/house breaking Rs.3,73,000/-; for other risk Rs.2,11,000/-; for breakdown of domestic appliances for Rs.1,10,000/-; for T.V. set/video Rs.15,000/- and for baggage Rs.10,000/-. On 21.04.2005 allegedly fire broke out in the aforesaid house of the respondent. The respondent lodged FIR of the incident at the Police Station, Shalimar Bagh on the same date. On 22.04.2005, two surveyors namely Sh. Rajesh Saini and V.K. Gulati inspected the site to conduct survey. On 30.4.2006, the respondent filed the claim with details of entire loss, estimate of repairs and renovation of the said premises for an amount of Rs.10,90,060/-. On 08.08.2005, the surveyors submitted their survey report and estimated the loss to an amount of Rs.3,81,828/-. On 28.02.2006, as per the surveyor's report the petitioner company paid a sum of Rs.3,81,828/- to the respondent as the claim amount vide cheque No.067357.

(3.) Hence the present revision petition.