The present First Appeal has been filed against Order dated 23.10.2017 passed by Telangana State Consumer Disputes Redressal Commission at Hyderabad (for short, the ‘State Commission’) in CCIA No.953 of 2017 in CCSR No

.2705 of 2017.

2. The brief facts of the case are that the Appellant/Complainant—Company obtained a ‘Standard Fire and Special Perils Policy’ from the Respondent/Opposite Party for the stocks of fully pressed cotton bales stored in Warehouse at Mehaboobnagar, District Adilabad, detail of

Policy No.	Policy Period	Total Sum Insured	Premium Paid
552600/11/12/3400000011	17.12.2012 to 16.12.2013	Rs.50 crores	Rs.18,29, 183/-

It was alleged that due to excess rainfall in the months of June and July, 2013, 474 cotton fully pressed bales stored in Godown, bearing No.2 were damaged. 279 bales were recovered by repressing, leaving 220.880 quintals of cotton bales damaged, which were covered under the policy. The Appellant sent intimation about the damage of cotton bales to the Respondent on 17.07.2013. The Re