1. The present cross Appeals are filed by the Appellants under S.19 of the Consumer Protection Act, 1986 against the order passed by the Himachal Pradesh State Consumer Disputes Redressal Commission, Shimla (for short ˜the State Commission') in CC No. 08 of 2007 dated 10.5.2018. First Appeal No. 1401 of 2018 has been filed by the Appellant / Insurance Company with a delay of 54 days as per the report of the Registry, however, as per the Appellant / Insurance Company the delay is 53 days. First Appeal No. 1498 of 2019 has been filed by M/s Himachal Pharmaceuticals Limited with a delay of 401 days, as per report of the Registry. However, as per the Appellant / Complainant, the delay is of 364 days. For the reasons stated in both the applications and in the interest of justice, the delay is condoned.

2. Complainant is a partnership firm engaged in manufacturing and sale of Pharmaceuticals Drugs at its factory in Kandrori, Kangra District, Himachal Pradesh. The unit was started after obtaining loan from Oriental Bank of Commerce, Pathankot. Complainant obtained a Standard Fire and Special Risks Policy, valid from 13.4.2005 to 12.4.2006. According to the Complainant, the unit suffered