State Consumer Disputes Redressal Commission
The New India Ass. Co Ltd vs Shantaben K Sanghavi on 7 September, 2021
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VG[ Z v D]/ OZLIFNL TZO[ lJwJFG JSL, zLP N1F[X lT|J[NLV[ N,L,M SZTF\ H6FJ[, K[ S[4 JLD[NFZ EFJGUZ HL<,FGF V;ZF6F UFDGF JTGL K[ VG[ tIF\ B[TL,FIS HDLG WZFJ[ K[ VG[ T[ HDLG p5Z V[S U|LG BORICHA APPEAL NO 319/2021 Page 5 of 15 CFp; AGFJ[, K[ VG[ ;FDFJF/F JLDF S\5GL 5F;[YL ;NZ U|LG CFp; DF8[GM Z]FP #54__4___qv GL lS\DTGM cc:8Fg00" OFIZ V[g0 5[ZL<;cc GFDGL 5M,L;L TFP !*v!_vZ_!# YL TFP !&v!_vZ_!$ GF ;DIUF/FGL pTZFJ[, CTL VG[ ;NZ 5M,L;LGL XZTM D]HA U|LG CFp;DF\ SM.56 5|SFZG\] G]SXFG YFI4 TM T[JF ;\HMUMDF\ ;FDFJF/F T[ V\U[G\] J/TZ R]SJJF HJFANFZ AGFTF CTFP VFD4 VF 5M,L;L Vl:TtJDF\ CTL4 T[ NZdIFG TFP *v!_vZ_!$ GF ZMH ;DU| DC]JF TF,]SFDF\ JWFZ[ UlTYL 5JG O\]SFI VG[ JFJFhM0\] T[DH SDM;DL JZ;FN YTF\ DC]JF TF,]SFDF\ B]A H G]SXFG YI[, VG[ OZLIFNLGF U|LG CFp;DF\ 56 G]SXFG YI[,P ;FDFJF/FG[ VF V\U[ H6FJTF\ ;FDFJF/FV[ ;J"[IZ DFZOT[ G]SXFGLGM ;J"[ SZFJJFDF\ VFJ[, VG[ tIFZAFN G]SXFGL J/TZ V\U[ HZ]ZL S,[.D OMD" EZL ;FDFJF/FG[ DMS,L VF5[,P 5Z\T]4 ;FDFJF/FV[ OZLIFNLG[ H6FJ[, S[ cc;J"[IZ zLP lN5S XFCGF VlE5|FI D]HA U|LG CFp;G[ YI[, G]SXFG GA/L SFDULZLG[ SFZ6[ YI[, TYF 5JG VG[ JZ;FNGF SFZ6[ YT\] G]SXFG 5M,L;LDF\ SJZ SZJFD\F VFJT\] G CMI T[DH .g0LIG D[8=M,MHLS, 0L5F8"D[g8GF ZL5M8" D]HA EFJGUZG[ TFP *v!_vZ_!$ GF JFJFhM0FG[ SFZ6[ SM. V;Z YI[, GCMI JLDF V\U[GL ZSD D/JF5FT| GYLPcc VF CSLST BM8L ZLT[ VY"38G SZL lJDM GFD\H]Z SZ[, K[P ;FDFJF/FV[ OZLIFNLG[ D/JF5FT| S,[.DGL ZSD G R]SJL 5MTFGL ;[JFDF\ BFDL NXF"J[, K[ VG[ VGO[Z 8=[0 5|[S8L; VFRZ[, CMI4 V5L, ZN SZL lJwJFG OMZDGM R]SFNM SFID ZFBJF lJG\TL SZL K[P (P! 5|lTlJJFNLGF JSL,zLV[ ;J"[ ZL5M8" VG[ D[8=M,MHLGF ZL5M8" TZO VDFZ\] wIFG NMZ[, K[4 H[GL CJ[ 5KL RRF" SZJFDF\ VFJX[P BORICHA APPEAL NO 319/2021 Page 6 of 15 S[;GF U]6NMQFo )P V[5[,[g8 JLDF S\5GLV[ TFP !!v#vZ_!5 GF ZMH S,[.D GSFZ[, K[P ;NZC] 5T| 5FG G\P #( YL ZH] K[P H[GL lJUTM GLR[ D]HA K[P "Surveyor Mr Deepak Shah was deputed to inspect and assess the loss / damage. We are in receipt of the survey report and as per the same, the loss has occurred due to wind accompanied by rain. The surveyor has opined that the claimed loss / damages to Green House is due to poor workmanship and also the loss / damage due to Wind & Rain is not a peril covered under the policy.
Also as per the weather report issued by Indian Meteorological Department having station nearby at Bhavnagar mentions that Bhavnagar was not affected by any cyclone on 07.10.2014.
Further the surveyor has asked for certificate and approved drawing of OEM for its structure design, but the same was not submitted.
Under the above circumstances, as the loss / damage is not due to insured perils, the Company's liability does not exist and hence the competent authority has Repudiated the claim and closed the file as No Claim, which please note."
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6) Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation : Loss, distruction or damage directly caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation excluding those resulting from earthquake, Volcanic eruption or other convulsions of nature. (Where earthquake cover is given as an "ad on cover" the words "excluding those resulting from earthquake volcanic eruption or other convulsions of nature" shall stand deleted.
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7) Indian Meteorological department report having station nearby at Bhavnagar which is about 100 km away by road distance from Mota Asarana recorded the wind speed at 6km/hr only. (Report of Meteorology attached herewith)
8) As reported insured has claimed that damage has occurred due to cyclone. Technical qualification of storm relation to wind speed according to table of beaufort scale of wind force is storm = Minimum 88.896 km (89 km/hr) per hour wind speed. [ Beaufort scale attached].
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!#PZ VFD4 EFJGUZ DM8F VF;ZF6FYL !__ SLP DLPN]Z CMI4 EFJGUZGM D[8=M,MHLS, ZL5M8" VF;ZF6FGF J[WZ SZTF\ V,U CMI XS[P VFD4 .g:I]Zg; S\5GL H[ ZL5M8" p5Z VFWFZ ZFB[ K[4 T[ AGFJGL HuIF DM8F VF;ZF6FYL !__ SLP DLP N]Z K[4 H[YL T[ 5]ZFJM 5|:T]T 5]ZFJM GYLP !#P# lJJFNLGF lJwJFG JSL,zLV[ Z_Z_ s!f ;L5LVFZ sV[G;Lf Z)* 5Z
5|l;wW YI[, lJZ[gNZS]DFZ lT|J[NL lJP EFZTL V[1FF HGZ, .g:I]Zg; S\5GLGF R]SFNF 5Z VFWFZ ZFB[, K[P ;NZC] R]SFNFGF 5[ZF G\P !Z DF\ GLR[ D]HA H6FJ[, K[P " 12. I agree with the arguments of the learned counsel for the respondent - Insurance Company that the report of the surveyor cannot be brushed aside without any cogent reasons. This view has been supported by the decision of the Hon'ble Supreme Court in the case of Sri. Venkateshwara Syndicate Vs. Oriental Insurance Company Limited And Another. (2009) 8 SCC 507 where Hon'ble Supreme Court has held that:-
" 31. The assessment of loss, claim settlement and relevance of survey report depends on various factors. Whenever a loss is reported by the insured, a loss adjuster, popularly known as loss surveyor, is deputed who assess the loss and issues report known as surveyor report which forms the basis for consideration or otherwise of the claim Surveyors are appointed under the statutory provisions and they are the link between the insurer and the insured when the question of settlement of less or 17 damage arises. The report of the surveyor could become the basis for settlement of a claim by the insurer in respect of the loss suffered by the insured.
32. There is no disputing the fact that the Surveyor / Surveyors are appointed by the insurance company under the provisions of the Insurance Act and their reports are to be given due importance and one should have sufficient grounds not to agree with the assessment made by them. "BORICHA APPEAL NO 319/2021 Page 10 of 15
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9. Therefore, the State Commission allowed the complaint holding that entry of rain water into the godown, due to heavy rain, can be treated as 'inundation' , which is a risk covered under the policy. The Commission has allowed the claim of Rs. 20,13,310 with deducting of Rs. 1,49,000 towards recovery from the sale of damage goods.
10. We have carefully persued the record submitted by the appellant and heard the Counsel for the appellant. Lerned Counsel limited his arguments to the ground of repudiation relying upon the terms and conditions of the policy and reiterated the position of the appellant /OP that liability of the insurer does not extend to covering the loss arising from entry of rain water into the insured godwon.. Lerned Counsel carried his argument further by asserting that 'inundation' as per the policy would cover the over flow of rivers and nalas due to heavy rain fall but, rain water flooding the godwon BORICHA APPEAL NO 319/2021 Page 12 of 15 due to overflow of the drainage system of the town would not amount to inundation."
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6) Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation : Loss, distruction or damage directly caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation excluding those resulting from earthquake, Volcanic eruption or other convulsions of nature. (Where earthquake cover is given as an "ad on cover" the words "excluding those resulting from earthquake volcanic eruption or other convulsions of nature" shall stand deleted.
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