JUDGMENT

Gautam Chourdiya, President—This complaint, under section 17 of the Consumer Protection Act, 1986 (hereinafter referred to as “the Act” for short) has been filed by the complainant feeling aggrieved by repudiation of its insurance claim and seeking direction to the opposite party for payment of insurance claim amount of Rs.64,05,000/- (Sixty Four Lacs Five Thousand) with interest @ 18% p.a. from the date of filing complaint to the complainant with Rs.5,00,000/- (Five Lacs) as compensation for deficiency in service, unfair trade practice and mental harassment along with cost of litigation and any other reliefs which this Commission deems fit to award.

2. As per averments in the complaint, the complainant obtained an Industrial All Risk Insurance Policy from the opposite party and policy bond was issued by the insurance company opposite party. On 01.12.2017, inside the factory premises, while the factory was in operation fire took place in the F.D. Cooler and ESP. The matter was reported to the insurance company on 01.12.2017, on receipt of which Dr. Mrs. Kiran Chhabra was appointed for preliminary inspection, who visited the premises, inspected the damages and took photogra