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

2. The Complainant is running a business of sales and service of two wheelers motor vehicles along with sale of spares, accessories and allied articles at Nandurbar District under the name and style ˜M/s. Ashwin Auto Services' since 1996. Opposite Party No. 1 is Insurance Company and Opposite Party No. 2 is the Surveyor. On14.7.2015, the Complainant purchased Motor Dealer Package Insurance Policy, from Opposite Party No. 1, vide Policy No. OG - 16-2003-4095-00000005, for a sum of Rs. 4.44 crores, valid from 14.7.2016 to 13.7.2016.

3. The case of the Complainant is that on 15.3.2016 at around 2.30 a.m., fire broke out in the premises of the Complainant, causing damage of new vehicles, spare parts, furniture etc. The Complainant informed the Police, Fire Department, and Opposite Party No. 1. Opposite Party No. 1 deputed Opposite Party No. 3 / Mr. Parvinder Kumar Bhatia as Surveyor and Loss Assessor, who visited the place of the incident on 18.3.2016. The Surveyor instructed the Complainant not to remove the debris until the process is complete. Debris remained scattered for 292 days, as a result