ORDER

C. Viswanath, Presiding Member.—The present case is filed under Section-21 of the Consumer Protection Act, 1986.

2. The case of the Complainant is that it is engaged in manufacturing of drugs at Units 14 & 15, KHB Industrial Area, Yelahanka, Bengaluru. The Complainant obtained Standard Fire & Special Peril Policy (SFSP) from the Opposite Party, vide Policy No.421500/11/2010/151, for the period 23.11.2009 to 22.11.2010 for Rs.8,77,66,000/- covering the said manufacturing units. The Policy was got renewed from 23.11.2010 to 22.11.2011, vide Policy No. 421500/11/ 2011/149, for sum insured Rs.13,11,34,962/-. The Complainant further got the Policy renewed from 23.11.2011 to 22.11.2012 for sum insured Rs.17,77,97,189/-, vide Policy No. 421500/11/2012/139. On 23.02.2012 distillation was being carried out by taking 600L Toluene in the reactor and distilled Toluene was collected in the receiver. While draining, fire took place due to static current produced during distillation causing massive damage to the premises. The Complainant immediately informed the Opposite Party, vide e-mail dated 24.02.2012, who appointed Shri B. Gopalakrishnan as Preliminary Surveyor. He visited the premise