Mr. D.D. Bahuguna, Member—This complaint has been filed by Sri Autar Krishen Thaploo, against the Oriental Insurance Company Ltd., Branch Office Dehradun, for a claim of Rs. 6,10,000/- along with interest. The complainant has alleged that he owns a residential house of Class-I construction, situate at Peer Bagh, Hyderpora, Srinagar (J&K). The complainant is in service and stationed at Rishikesh. He purchased a Fire Policy ‘A’ bearing No. 252903/11/93/00043 from opposite party. The insurance cover was of Rs. 6,10,000/- for the main building and cow shed-cum-store. The insurance was covered for risk of riots, strikes and attack of terrorists besides other perils. The period of insurance was from 4.10.1992 to 3.10.1993. The entire house was razed to ground due to fire caused by terrorists/miscreants and anti-social elements on or about 23.11.1992. An FIR of the incident was lodged with the Police Station Budgam in Kashmir. The opposite party, Insurance Company was informed of the incident on 23.11.1992. The complainant wrote to the Divisional Manager of the opposite party at Srinagar to settle the claim early. Regular claim of Rs. 6,05,000/- was lodged with the opposite party. Ve