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6. Petitioner claims that pursuant to the investigation done by the surveyors by both the Insurance companies and subsequent investigation done by them to ascertain the cause and extent of loss, United India Insurance Company Ltd., had released an initial amount of Rs.70,00,000/- (rupees seventy lakhs) towards claim for damage/loss to the petitioner's plant and machineries, fixtures and fittings. Petitioner submits that they are on the verge of getting the balance claims Policy settled with United India Insurance Company Ltd. On 24.11.2013 and thereafter, petitioner submitted various documents in support of their claim at the instance of the Surveyor appointed on behalf of the respondent herein. Nearly one year after the accident, after several communications for settlement of the claim, the respondent repudiated the petitioner's claim on the ground that it was not a reasonable, fair and bona fide estimation of loss and alleged that the quantum of loss was exaggerated and supported by manipulated documents. The petitioner submits that without giving an opportunity of hearing, the respondent rejected the petitioner's claim, invoking condition No.8 of the policy conditions.