B.K. Taimni, Member—Appellant was the complainant before the State Commission, where he had filed a complaint alleging deficiency in service on the part of the respondent National Insurance Company Ltd.

2. Undisputed facts of the case are that the appellant/complainant owned a factory by name, M/s. Narendra Paper Products, a unit of Kumar Electrodes Pvt. Ltd., and was engaged in the manufacturing of paper-cones and paper-core pipes. While the Paper cones are utilized in textile industries for winding of thread, the paper-core pipes are utilized for winding of finished paper to form a paper roll. The unit was financed by the Uttar Pradesh Finance Corporation (UPFC) and they had a cash-credit limit from Indian Overseas Bank, Muzaffarnagar. There is no dispute that there was a fire episode in the night of 6th and 7th Aug. 1998. There is also no dispute that the appellant/complainant had an insurance cover for the valid period. Episode of fire was reported to the Fire brigade, Police as also to the respondent Insurance Company. It was the case of the complainant that fire was caused by sparking electrical short-circuiting. The claim was preferred for Rs.12,45,486.30ps with the res