Mr. Justice S.N. Phukan, President—The present petition has been filed against the Insurance Company, namely, National Insurance Company. The complainant has established a shop and also took financial assistance from the bank. The shop was insured with the Opposite Party for a sum of Rs. 5,00,000/-, Rs. 4,80,000/- for goods and Rs. 20,000/- for furniture and fixtures. The premium was paid regularly. The shop was destroyed as a devastating fire took place at Tinsukia on 3.4.90 and the fire lasted for about 12 hours. It has been stated in the petition that in the shop the complainant used to keep stock of black-tea and no other materials. The complainant informed the Insurance Company and a Surveyor was also appointed. According to complainant, the Surveyor took biased attitude and did not receive the document from the complainant. Therefore, all the documents were furnished to the opposite party No. 3 on 7.8.90. Inspite of repeated requests, the claimt was not settled by the Insurance Company. The Insurance Company also wanted some vouchers and photocopies of these vouchers were also given. Ultimately by a voucher dated 30.11.92 the Insurance Company paid an amount of Rs. 4,15,