Vinay Kumar, Member—The IFFCO TOKIO General Insurance Co. has filed this appeal against the order of Maharashtra State Consumer Disputes Redressal Commission in Consumer Complaint No.CC/10/3. In the impugned order, the claim of the Complainant (respondent in the present proceedings) was allowed for a sum of Rs.24,15,441/-, which was the amount of net loss, as assessed by the Surveyor appointed by the appellant/Insurance Company.

2. The matter pertained to an insurance claim under an ‘Industry Protective Policy’ taken by the Complainant, who was a manufacturer of hair care products, toothpaste, body wash, hand wash creams etc. for M/s. Hindustan Unilever Ltd. The case of the Complainant as seen from the Consumer Complaint before the State Commission was:-

“In the night intervening 30th June 2008 and 1st July, 2008 there were heavy rains in Daman. In the premises of the Complainant, rain water affected/damaged their stocks of raw materials, packaging materials stored on the second floor i.e at their outside godown as well as factory premises. Prior to the rains all the stock items were in good condition. But due to heavy rains that lasted the entire night (30.6.2008) and the f