V.K. Agarwal, President - This complaint under Section 17 read with Section 12 of the Consumer Protection Act, 1986, has been filed praying that an amount of Rs. 32,72,0.14/- be directed to be paid by opposite parties to the complainant.

2. Undisputably, the complainant had obtained Insurance Policies covering the risk of his Plant, Machinery, Building and Stock from the opposite parties. The said Insurance Policies No. 152601/11/51/2001 and 348/01 covered the risk for the period from 5.10.2000 to 4.10.2001. It is also not in dispute that the building of cold storage and the stock kept therein, covered by the said policy was damaged in an incident of fire which took place on 9-2-2001. The complainant informed the opposite parties/insurers about the said incident upon which the opposite party/insurer appointed surveyor Hitesh K. Chitalia, who conducted preliminary spot survey. The opposite parties, thereafter, appointed M/s. A.K. Gupta & Associates, Delhi, for final survey to assess the loss. The complainant averred that his total claim for the loss was for an amount of Rs. 2,49,21,858/- which was submitted by him to the opposite parties. The complainant averred that the survey