Anupam Dasgupta, Member—This appeal is directed against the order dated 08.08.2001 of the Andhra Pradesh State Consumer Disputes Redressal Commission, Hyderabad (in short, ‘the State Commission’) in consumer complaint no. 20 of 1994. By this order, the State Commission dismissed the complaint filed by the appellant, which had alleged deficiency in service on the part of respondent no. 1, Insurance Company in repudiating its insurance claim for indemnification of damage to the advertisement hoardings erected by it at various places within the municipal limits of Visakhapatnam by the officers of respondent no. 2.

2. The case of the appellant/complainant before the State Commission was as summarised below:

(i) The complainant company was engaged in advertising on behalf of its principals in various cities by erecting sky signs and hoardings. Accordingly, it had erected 531 hoardings with the permission of the Municipal Corporation in Visakhapatnam. These hoardings were insured with respondent no. 1 for Rs.58,56,500/- for the period 07.12.1990 - 06.12.1991. The insurance policy covered indemnification of loss or damage to these hoardings caused by various perils, including fire, bu