1. This revision petition has been filed by the petitioner United India Insurance Company Ltd. against the order dated 07.05.2013 of the State Consumer Disputes Redressal Commission, Kerala, (in short ‘the State Commission’) passed in Appeal No.133 of 2012.

2. Brief facts of the case are that on 23.09.2009, respondent has obtained ‘Standard Fire & Special Perils Policy’ in respect of stock in business premises from the petitioner insurance company by paying premium of Rs.2,117/- for the period commencing from 23.09.2009 to 22.09.2010 vide policy No.100804/48/09/34/00000949 for the sum insured for Rs.25,000/- towards furniture and Rs.4,00,000/- towards stock. The business was being conducted with the financial assistance of the Syndicate Bank by availing a loan of Rs.2,00,000/-. On 21.06.2010 at about 7:30 pm the complainant/respondent closed the abovesaid shop and went to his house and at about 09:30 pm, the complainant/respondent was informed by one Basheer who was running foot wear business near the shop of the complainant about the occurrence of fire in the shop and the complainant/respondent reported that accidental fire which caused damage to stocks and furniture kept in t