ORDER

V.B. Gupta, (P.M) - This appeal has been filed by M/s. Ind-Swift Limited against the order dated 15.9.2014 of the Punjab, State Consumer Disputes Redressal Commission, (in short 'the State Commission') in Consumer Complaint No. 09 of 2012.

2. The brief facts of the case are that there were heavy rains in Northern India, at Derabassi area on 23.07.2011, which damaged the stock and premises of the appellant covered under the Fire & Special Peril Insurance Policy bearing No. 110301/11/11/11/00000023, for the period from 26.4.2011 to 25.4.2012, got damaged. The appellant intimated the loss of Rs. 60 lakhs due to heavy rains to the insurer, United India Insurance Company Ltd on 23.07.2011. The Insurance Company appointed a surveyor, who visited the site on 26.7.2011. The Insurance Company repudiated the claim on 3.11.2011 stating that loss due to seepage of rain water is not covered under the said policy. The appellant filed the Consumer Complaint bearing Consumer Complaint No. 09 of 2012 before the State Commission praying for damages towards loss suffered due to seepage of rainwater. The State Commission vide its order dated 15.09.2014 dismissed the Consumer Complaint stating tha