ORDER (ORAL)

V.K. Jain, Presiding Member—The complainant obtained an insurance policy for the period from 20.07.2007 to 19.07.2008 in respect of the stock which he had kept in his shop in Umaria. A fire broke out in the shop on 21.03.2008. On intimation being given to the insurer a surveyor was appointed who visited the shop on 19.04.2008 and assessed the loss to the complainant at Rs. 179800/-. The amount was offered to the complainant but was not acceptable to him. The amount was, therefore, deposited in the account of the complainant.

2. Being aggrieved from the failure of the insurer to reimburse the him for the loss suffered by him, the complainant approached the concerned district forum by way of a consumer complaint.

3. The complaint was opposed by the insurer which inter alia stated in its reply that the surveyor had made a fair assessment of the loss and the complainant had been paid accordingly.

4. The District Fourm having dismissed the consumer complaint the complainant approached the concerned State Commission by way of an appeal. Vide impugned order dated 05.07.2012 the State Commission directed the insurer to pay a sum of Rs. 4 lacs to the complainant after deducting the