J. M. Malik, Presiding Member—Garg Acrylics Ltd., the complainant in this case, took an Insurance Policy from United India Insurance Co. Ltd. -OP for Standard Fire and Special Peril Insurance Policies for its Unit No. II situated at Kanganwal Road, VPO Jugiana, G. T. Road, Ludhiana on 27.03.2009. A fire broke out in the said unit of the complainant on the night falling between 15 & 16 December, 2009. The fire was detected by the watchmen and the Fire Brigade took 13 hours 43 minutes to bring the fire under control. The police report was lodged and the Fire Brigade also gave its report. Approximately a loss of Rs.5.00 crores was reported by the complainant.

2. The complainant intimated the O. P. about the aforesaid fire incident on 16.12.2009. The complainant lodged its protest to the Surveyor’s loss amount of Rs 2,67,77,752/- towards payment of the claim. The surveyor submitted his report whereby he acknowledged that the salvage has been sold only for Rs.32,00,000/- and deducted Rs.85,00,000/- towards its value. The complainant was not satisfied with his report. It is alleged that the surveyor gave his report on arbitrary grounds. Furthermore in the said report under Insurance