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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
A. P. Sahi, CJ, Bharatkumar Pandya, J
M/s. Star Paper Mills Ltd. – Appellant
Versus
The United India Insurance Co. Ltd. – Respondent
| Table of Content |
|---|
| 1. insurance policy and loss due to fire. (Para 1 , 2 , 3) |
| 2. dispute over loss calculations and repudiation of claim. (Para 4 , 5 , 6 , 7) |
| 3. consumer status upheld and limitation period clarified. (Para 8 , 9) |
| 4. details of repudiation letter and reasons for denial. (Para 10 , 11 , 12 , 13 , 14) |
| 5. complainant demonstrates production impact post-fire. (Para 15 , 16) |
| 6. clarification of cause of loss and indemnity. (Para 17 , 19 , 20) |
| 7. surveyor's assessment and calculations. (Para 21 , 22 , 23 , 24) |
| 8. court's view on sustained losses and production interruptions. (Para 25 , 26 , 27) |
| 9. dispute over production loss duration and reasons. (Para 28 , 29 , 30 , 31 , 32) |
| 10. impact of damaged chipper on overall production. (Para 33 , 34 , 35 , 36 , 37) |
| 11. justification of production calculations and indemnity. (Para 38 , 39 , 40 , 41) |
| 12. court's decision on claim and compensation. (Para 42 , 43) |
ORDER
JUSTICE A.P. SAHI, PRESIDENT
1. The Complainant is a pulp and paper manufacturing mill located in Saharanpur, U.P. The present Complaint has been filed alleging deficiency in service against the United India Insurance Co. Ltd. after it repudiated the claim of the Complainant vide le
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