ORDER

Subhash Chandra, Presiding Member—This First Appeal has been filed under the Consumer Protection Act, 1986 (in short, the ‘Act’) assailing the order of the State Consumer Dispute Redressal Commission, Punjab, Chandigarh (in short, ‘State Commission’) in order dated 17.03.2022 in complaint no. 53 of 2019 .

2. The brief facts of the case, as stated by the appellant, are that respondent firm who is in the business of embroidery of fabric and dress material had taken a Standard Fire and Special Perils Policy (in short, the ‘Policy’) from the appellant for the period 21.11.2017 to 20.11.2018 in respect of the building for Rs.70,00,000/-, machinery for Rs 1,50,000/- and stock-in-trade for Rs 65,00,000/-. It is averred that due to a fire on 30.06.2018 in the building, the Schiffli Embroidery Machine Model EPOCA-5 was extensively damaged. On discovering the fire, an employee, Subhash Chand, extinguished the fire with fire extinguishers within 30-40 minutes. There was no reason, therefore, to summon the fire brigade but a report was lodged with the police station and the appellant was informed the same day. The police lodged DDR No.030 on 03.07.2018. The appellant appointed J.S. Malho