Mr. Justice K.D. Shahi, President—This complaint has been filed by Sh. Abdul Qadir, Proprietor of M/s. Roshan Taj Matches Company for recovery of Rs. 30,00,000/-, the insured amount along with interest and Rs. 1,00,000/- as damages for mental torture and harassment against the Insurance Company, i.e. The United India Insurance Co. Ltd., which has repudiated the claim of the complainant.

2. According to the complainant’s case, the complainant is an OBC unemployed graduate. With a view to earn his livelihood he started his own small venture of sale of safety matches. The stock was kept by the complainant at the godown, at Bacchi Nagar, No. 1 Kamalva Ganja, Haldwani belonging to his father Abdul Razzaq. He had taken a Standard Fire and Special Perils Policy in the name of his proprietary concern M/s. Roshan Taj Match Company. The policy was effective from 20.7.2000 to 19.7.2001. It was for a sum of Rs. 30,00,000/- for the articles in the godown, i.e., safety matches. It is further alleged that the godown itself was insured for Rs. 5,00,000/- for the same period. In the night of 13/14th May, 2001, during the insurance period, there was a heavy storm/rains in Haldwani whereby the ma