PUNJAB LAMINATES PRIVATE LIMITED Vs. NATIONAL INSURANCE COMPANY LIMITED
HIMACHAL PRADESH STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Punjab Laminates Private Limited
NATIONAL INSURANCE COMPANY LIMITED
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(1.) ONLY question involved in this complaint is, whether the sum of Rs. 12,95,360 admittedly paid by the Opposite parties, (hereinafter referred to as the 'OPs') to the complainant, can be said to be adequate compensation for the loss sustained by the former in the fire incident that took place on 16.11.2007 in its factory premises. If the answer is in the affirmative, this complaint has to be dismissed. In case a view to the cpntrary is taken, then further question that would need determination is, as to how much more amount if any, complainant is entitled to.
(2.) AS facts by and large are admitted, therefore, only facts necessary for deciding this complaint are being taken note of. Fire incident took place on 16.11.2007 in the factory premises of the complainant. For the purpose of deciding this complaint, we are concerned with insurance obtained by the complainant from the OPs in respect of the following items:
"On stocks of all kinds of raw material used for manufacturing of Paper based decorative and industrial laminates/finished/semi finished goods, goods in process, packing material and mica goods of trade stored/lying in the factory used for manufacturing of Paper based decorative/industrial/laminates (mica products) manufacturing, stored/lying in the factory built of 1st. Class construction situated at abovesaid address".
(3.) COMPLAINANT submitted his claim vide Annexure C.9 and claimed a sum of Rs.34,17,823.38 P.
After receipt of intimation, preliminary survey was got done by the OPs from M/s. Mittal Surveyors Pvt. Ltd. Report of the preliminary survey is Annexure R.1 and final survey report is also a part of this. It is at pages 243 to 254 of the complaint file. Photographs showing damage caused to the insured material, is evident from the photographs collectively filed as Annexure R.2. These are at pages 255 to 272.;
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