Me.Bharat Enterprizes,Prop.Aashish Arun Belkude v. The United India Insurance Co.Ltd.

.29/11/2016 .30/12/2017 :- - . . . .

1. , 1986, 12 .

iii.

vii.

viii.

2. :- , . . .. [Fire and Special Peril Policy] . .160305/11/15-P-106039050 .26.08.2015 .25.08.2016 . . , 12 , , . .03.08.2016 . .05.08.2016 . 11.30 . 10 12 . .. - . .. . . . . .. ... . . .06.08.2016 .23.08.2016 . . .11.08.2016 .. . .. . , ..

3. .. .4,07,272/- . .11.08.2016 ....18 , .5,000/- .5,000/- .. .

4. , .3 ..1 7 , , , , , , , , , , . , .

5. .. , , ., , , .

6. .. . . .. . , . .. .. . .. . .. . .06.08.2016 .23.08.2016 . / Seepage [Percolation of Water] . . . , . .03.08.2016 .06.08.2018 . .. . . .3,46,181/- . .. . .. . , .. .

7. .. . .

1 .. ?

2 .. ?

3 .. ?

8. .1 .. [Fire and Special Peril Policy] . , .. . , .. . , .1 . .1 4: -

9. .2 , . : . .. . .03.08.2016 . .05.08.2016 11.30 . .. . .. . .3,46,181/- . ... .. . , , . . . .5,80,000/- . . . 1993 (2) CPJ 851 [Andhra Pradesh State Commission] C.D. Appeal No.130 of 1992. United India Insurance Company Versus M/s. Sreenivas Rice Mill . , / Manadal Revenue Officers Report . , . . . . First Appeal No.398 of 2009 Oriental Insurance Co. Versus Ashok Kumar & Anr. Insurance claim-Standard Fire Policy-Damage to the house by fire-Surveyors report-Declined by the State Commission- only on the ground that he was an electricalmechanical engineer and was thus not technically qualified to assess the damages to a house which only a Civil Engineer could do. , Seepage .. . . . (2013) C.J. 787 (N.C.) Oriental Insurance Co. Versus R.P.Bricks Consumer Protection Act, 1986-Section 17, 19 and 21 Insurance- Standard Fire and Special Perils Policy (Material Damage)-Heavy damage caused to both green and finished bricks as also kiln due to heavy rain-claim repudiated on grounds that loss was caused by normal monsoon rains and not by floods-State Commission directed Appellant/Insurance Co. to pay Respondent/Complainant Rs.31,77,655/- with 6% interest as also Rs.5,000/- as costs loss caused due to seepage following heavy rains into any part of Insured Premises would be covered under definition of flood and inundation and claim should in such circumstances be indemnified-Appeal dismissed. .. .

10. , .. . . .. .3,46,181/- ....9% .5,000/- .5,000/- .. . , .

1 : .

2 .. .3,46,181/- ( ) . ....9% .. .

3 .5,000/- ( ) .5,000/- ( ) .. .

4 .. 45 .

5 .. . .. , 1986 -25 -27 . [HON'BLE MRS. Savita P. Bhosale] PRESIDENT [HON'BLE MRS. Rupali D. Ghatage] MEMBER [HON'BLE MRS. Manisha S.Kulkarni] MEMBER