Mr. Justice S.S. Sandhawalia, President— M/s. Gupta Textile Mills have preferred this complaint against their insurers on the allegation that they had taken out insurance cover vide Policy No. 110704/11/90/229-230 and Cover Note No. 34636 dated 26th of April, 1990 presumably for period of one year. It is the case that during the subsistence of the coverage, a fire broke out in the factory premises on the 30th of July, 1990. The services of the Panipat Fire Brigade were requisitioned vide Report No.61, dated the 30th of July, 1990 and the relevant police post was also informed of the occurrence vide Daily Dairy No. 20, dated 31st of July, 1990. The complainants lodged their claim on the basis of an estimated loss of Rs. 2,50,000/- and sought the appointment of a Surveyor. It is their case that during the survey proceedings they lodged a loss statement agreeing to accept a claim of Rs. 1,17,824/- vide Annexure 5, dated the 6th of August, 1990. It is the allegation, that the relevant documents were duly supplied to the Surveyor M/s. D.K. Taneja and Associates and they further used the salvage material as per the advice given by the insurers officials and their Surveyor.

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