JUDGMENT :

Rastogi, J.

1. The instant appeal is directed against the judgment dated 3rd September, 2012 passed by the National Consumer Disputes Redressal Commission(hereinafter being referred to as the “National Commission”) affirming the repudiation claim of the appellant by letter dated 11th September, 2007.

2. The facts from which the controversy arises are that the appellantcomplainant is the private company which was engaged in the manufacture of veneers from the woods. The appellant took a standard fire and special perils policy(hereinafter being referred to as the “policy”) from the respondent. The New India Assurance Company Limited in the year 2001 which was renewed from time to time and the cover was renewed to the extent of Rs. 1,20,00,000/(Rupees One Crore Twenty Lakhs) from 7th October, 2006 to 6th October, 2007. It has come on record that with effect from 11th July, 2006, as per orders passed by Forest Department, the factory was sealed and manufacturing process was stopped. Consequent upon that, the power was also disconnected from 18th August, 2006 having no manuf