ORDER

The present Appeal is filed against the order dated 28.07.2017 passed by State Consumer Disputes Redressal Commission, Delhi (in short ‘State Commission’) in Consumer Complaint No. 122/2013.

2. The Complainant/Respondent is a proprietorship concern engaged in the business of export of exclusive hand embroidered and beaded garments, bags, belts, stolls, home furnishings etc. since the year 2000. The manufacturing activity is carried out in the factory premises at Manesar, District Gurgaon, Haryana. The Complainant had taken Policy No.31010011110100000277 valid from 26.08.2011 to 25.08.2012 from the Opposite Party. As per Clause VI of the Policy, the Complainant firm was insured against Storm, Cyclone, Thyphoon, Tempest, Hurricane, Tornado, Flood and inundation resulting in any material damage to the factory building. The total sum insured under the Policy was Rs.2,07,10,000/-. According to the Complainant, on the intervening night of 5th and 6th May, 2012 a storm/tempest lashed the town of Manesar causing severe damages in the Complainant factory. The force of the storm also damaged the central dome installed in the factory premises. There was also damage to the expensive poly