ORDER :

1. Present consumer complaint is filed under section 17 of Consumer Protection Act 1986 pleaded therein that complainants are owner in possession of two stories building comprised of rooms, kitchen, bath and toilet, electrical, sanitary fittings, interior furnishing with wooden material in khata/khatauni No.86 min/100 khasra No.418 Mohal Pohl P.O. Bakhol Tehsil and District Shimla H.P. It is pleaded that due to heavy rain and storm on dated 23.05.2016 entire building of complainants situated over the above mentioned land was substantially damaged and residential house of complainants became unfit for human habitation. It is further pleaded that complainants sustained structural damage to their residential building due to heavy rain. It is pleaded that insurance company issued insurance policy i.e. Standard Fire & Special Perils Policy and policy was operative w.e.f. 04.09.2008 to 03.09.2023. It is pleaded that opposite party also received premium amount from the complainants to the tune of Rs. 1301/-(One thousand three hundred one). It is pleaded that building is beyond repair and require reconstruction.

2. It is further pleaded that Surveyor cum Loss Assessor assessed loss f