ORDER

Challenging the order dated 24.06.2014 of the State Consumer Disputes Redressal Commission, H.P. (in short ‘the State Commission’) passed in CC No.01/2014, whereby the complaint of the complainant has been dismissed, the present appeal has been filed.

2. Brief facts of the case are that complainant a private limited company had a factory at Ponta Sahib. The building, the raw material and the entire stock of complainant, available at the factory at Ponta Sahib, was insured with the opposite parties for the period from 08.02.2009 to 07.02.2010. A fire broke out in the factory premises of the complainant in November, 2009. A claim was lodged with the opposite parties for the loss caused due to the said fire incident. When the said claim was still pending, complainant in the month of January, 2010, approached the opposite parties for insuring the factory, the raw material and finished goods for a further period from 08.02.2010 to 07.02.2011. Opposite parties insured the building, which was under construction, because of its having been damaged due to earlier incident of fire, as also the goods kept therein for a sum of Rs.10.81 crores, for the period from 08.02.2010 to 07.02.2011.