ORDER

Bharatkumar Pandya, Member.—The complainant is filed raising grievance of wrongful rejection of genuine claim lodged for losses and damage suffered by them on account of peril covered under the policy issued by OPs with prayer to direct them to pay the claim as lodged by them. The complainant company is part of Soham group which has been engaged in construction and implementation of hydro power generating projects for over a decade. The complainant company is the owner of a small hydel power generating station in the name and style of “M/s Soham Mannapitlu Power Pvt. Ltd.” at Arambody Village, Near Moodabidri, D.K. District, Karnataka. It is engaged in generation of electricity at its hydel power station at Mannapitlu and sells the electricity so generated to the Government of Karnataka under a Power Purchase Agreement with Mangalore Electric Supply Company. The hydel power project purchased by the complainant was about 75% complete on “as is where is” basis along with necessary government approval. Complainant approached OP 4, the division office of OP 1 for the said project to be insured and covered under an insurance policy, who in turn appointed a surveyor and who in turn