In Brief
A textile company insured waste paper for Rs. 42.4 crores claimed Rs. 13 crores in loss after a fire in 2007. The insurance company's surveyor assessed the loss at Rs. 2.86 crores using volumetric analysis of the affected yard area rather than the company's inconsistent stock records. The company complained to the consumer forum claiming deficiency in service. The Supreme Court upheld the National Commission's decision, holding that a consumer forum's review of a surveyor's report is limited to checking compliance with professional conduct rules and preventing arbitrary rejection of the report. Once the surveyor's methodology is sound and not arbitrary, the consumer forum cannot conduct the detailed forensic examination a civil court might perform.", <parameter name="articles_cited">["Article 14"], <parameter name="statutes_cited">["Consumer Protection Act, 1986, Section 21(a)(i)", "Consumer Protection Act, 1986, Section 2(1)(g)", "Consumer Protection Act, 1986, Section 23", "Insurance Act, 1938, Section 64UM(1A)", "Insurance Act, 1938, Section 64UM(2)"]
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