ORDER

1. The present case is filed under Section 21(a) (1) of the Consumer Protection Act, 1986.

2. The Complainant is a manufacturer of Kraft Paper and Grey Board and used to purchase the raw material such as corrugated boxes and waste paper locally in India and imported from U.S.A. The Complainant took Insurance Policy No.360201/11/09/11/00000148 from Opposite Party No.1 for an amount of Rs.3,36,50,000/-. Complainant also took Insurance Policy No.401600/11/ 09/3100000232 from Opposite Party No.2 for an amount of Rs.3,32,60,000/-, covering the risk of stock, plant & machinery, furniture, building, etc. and paper and carboard mills (including lamination) respectively. Both Policies were valid from 29.06.2009 to 28.06.2010.

3. The case of the Complainant is that on 28.05.2010 between 1.00 pm and 1:30 pm during weekly power shutdown, fire broke damaging the waste paper (raw material) lying in the open yard/go-down of the Complainant. Due to the power shut, no work was going on and only few staff members were present in the factory. Some of the neighbouring farmers and villagers n