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

2. The Complainant is a Limited Company incorporated under the Companies Act and operates in leather processing business, having one of its establishments at Runkata, Agra. The building, plant & machinery and stocks of the Complainant were comprehensively insured against Fire and Special Perils by Opposite Parties, vide Policy No. 080404/11/05/00147, from 30.6.2005 to 29.6.2006. The Complainant paid a premium of Rs. 72,126 under the Policy for risk cover as follows:
Buildings including boundary wall, cables. Meter Board & other similar goods for sum assured Rs. 1 Crore.

3. The case of the Complainant is that in the night of 1.8.2005, due to heavy rain the factory shed fell down causing huge damage to the building, plant & machinery and stocks. On 2.8.2005, the Complainant sent intimation regarding the loss caused by inundation in the premises to Opposite Party No. 2 requesting them to appoint a Surveyor to assess the loss. The Complainant submitted the claim of Rs. 91 lakh. The Complainant wrote letter dated 4.8.2005 to Opposite Party No. 2 stating that the Complainant had not received any Polic