ORDER

The present First Appeal has been filed against the order dated 18.09.2014 passed by Chhattisgarh State Consumer Disputes Redressal Commission, Pandri, Raipur (in short ‘State Commission’) in Complaint Case No. 12/10.

2. The case of the Complainant is that it had taken Shopkeeper Policy No.152402/48/2009/1241 for sum insured Rs.30,00,000/- from the Opposite Party by paying a premium of Rs.9,741/-. The Policy was valid from 26.02.2009 to 25.02.2010. The Complainant had taken Credit from State Bank of India, Collectorate Branch, Ambikapur of Rs.12,00,000/- and Sarguja Kshetriya Gramin Bank (SKGB), Ambikapur of Rs.2,50,000/-. On 30.03.2009, after carefully locking the shop at 09:00 pm, the Complainant went home. 31.03.2009 was weekly off, but due to some urgent work and for collecting few documents from the shop, the Complainant came to the shop at about 11:30 am. The Complainant found that the shop had caught fire. The neighbours of the Complainant tried to extinguish fire to the help of the water. The matter was intimated to the Fire Brigade of Municipal Corporation, Ambikapur. After 15 minutes, the Fire Brigade came to the shop and extinguished the fire. The Fire Brigade team