Jagannath Bag, Member—The petition of complaint has been filed by Sri Goutam Pal and Sri Uttam Pal, in the matter of an insurance claim against the OP Insurance Company, namely, United India Insurance Co. Ltd.

2. Briefly stated, the facts of the complaint are as follows:

The petitioners being proprietors of M/s. Pal Hardware Store obtained an insurance of their shop-cum-godown (on building) for an amount of Rs.10,00,000 and another insurance for the stock in trade, initially, for an amount of Rs.20,00,000 and then enhanced to Rs.70,00,000 w.e.f. 16.7.2007. On 23.7.2007 at about 11 p.m. the shop-curn-godown met with an accident caused by Fire breakdown. As a result, all the stock-in-trade/documents, furniture and fixtures, etc. were burnt and the said shop-cum-godown was badly damaged. The Divisional Officer, West Bengal Fire Service issued his report dated 30.7.2007 with regard to the said Fire breakdown wherein it was stated that some portion of wall and shutter of the godown gate had to be broken to extinguish the fire. The Complainant in his letter dated 24.7.2007 informed the Insurance Company about the accident. The Officer-in-Charge, Alipurduar Police Station was also