NCDRC Reaffirmed that Surveyor Report is the backbone of Insurance Claim Settlement – Binding unless rebutted
In the present case, against the claim was for Rs.39,50,000/-, the Surveyor had assessed the loss at Rs.7,36,105/- vide its extensive report.
The State Commission had accepted the report.
The National Commission had reproduced in extenso the relevant paras of the Report, in para 7 of its judgment and recorded the following findings in paras 8 and 9 –
“A perusal of the Surveyor’s report, relevant extracts of which have been reproduced above, shows that the Surveyor has done a very detailed exercise in assessing the loss after due verification of the books of account produced by the insured. He has given very valid reasons for not accepting various books of accounts on face value.
Hence, in our considered opinion, Surveyor has done a very detailed exercise in assessing the loss in an objective manner and there is no reason to reject Surveyor’s observations/recommendations.
The surveyor’s report is cogent and well-reasoned and the Appellant has not brought on record any material sufficient to discredit the said report.”
The State Consumer Commission had extensively considered the Surveyor report and the evidence on record. The reasons and findings of the State Commission were reproduced in extenso and considered by the National Commission.
In this case, the complainant had taken insurance from the respondent via Karnataka Bank. The policy cover is for distinct segments – cosmetic stock, burglary & robbery, monetary loss and public liability.
On 29.11.2014, the fire broke in the shop premises of the complainant. Judgment dated 19.1.2026 of the NCDRC in First Appeal No.582 of 2017 of M/s. Life Style Vs. Universal Sompo General Insurance Co. Ltd.
