{"id":55231,"date":"2016-07-08T16:10:44","date_gmt":"2016-07-08T10:40:44","guid":{"rendered":"http:\/\/www.scconline.com\/blog\/?p=55231"},"modified":"2016-09-13T12:12:53","modified_gmt":"2016-09-13T06:42:53","slug":"repudiation-of-claim-for-stock-of-tendu-leaves-contaminated-due-to-excessive-rain-and-effect-of-moisture-not-proper","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2016\/07\/08\/repudiation-of-claim-for-stock-of-tendu-leaves-contaminated-due-to-excessive-rain-and-effect-of-moisture-not-proper\/","title":{"rendered":"Repudiation of claim for stock of Tendu leaves contaminated due to excessive rain and effect of moisture, not proper"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC):<\/strong>While observing that damage to the goods caused due to moisture content following heavy rains would be covered under loss due to natural calamity, NCDRC set aside the order of Chattisgarh State Commission, affirming the repudiation of claim by Insurance Company in the matter and directed the Insurance Company to pay claim amount also with costs to the complainant. The facts of the case are that the complainant A.R. Trading Company, whose main occupation was to purchase Tendu leaves from the Government and sell it to Bidi manufacturing Companies, got the bags of Tendu Leaves insured under \u2018Standard Fire and Special Perils Policy\u2019 from Oriental Insurance Company Ltd. The bundles of dried Tendu Leaves were kept in bags safely in the godown. In December, 2007, at the time of selling the Tendu leaves, the Complainant observed that the leaves had turned black due to natural calamity, on account of excessive rain fall in that area and hence had become unfit for making Bidis. Therefore, the Complainant submitted claim before the Insurance Company which was repudiated on the ground that leaves were contaminated on account of absorption of moisture from the atmosphere, which is not covered under the Policy. Four separate complaints filed before Chattisgarh State Commission by the complainant in the matter were dismissed on the ground that the Standard Fire and Special Perils Policy covers the risk of fire, lighting, storm, cyclone, tempest, hurricane, tornado, flood and inundation, and as per the General Exclusion Clause No. 4 of the insurance policy, loss, destruction or damage caused to the insured property by pollution or contamination if loss to the insured property is due to natural rains or moisture , then it was not covered. Feeling aggrieved, complainant challenged the orders of Chattisgarh State Commission before NCDRC and filed four appeals. After perusal of material on record and hearing both the parties, NCDRC observed that admittedly, direct and proximate cause in this case for the rotting of Tendu leaves was the rainfall which had occurred during the same period. \u201cIn a number of cases under almost identical circumstances where claims had been repudiated under the Fire and Special Perils Policy on the ground that the damage caused to the insured stocks\/ premises had been caused because of seepage caused due to heavy rains and not due to inundation, floods etc., we had concluded that the claim was wrongly repudiated since flood\/inundation also means outpouring of water. On this analogy loss caused due to moisture content following heavy rains would be covered and the claim should in such circumstances be indemnified,\u201d noted the Commission. While partly allowing all the four appeals, the Commission ordered payment of 50% of the claim amount along with costs of Rs. 10,000 in each case. [A.R. Trading Company v. Oriental Insurance Company Ltd., 2016 SCC OnLine NCDRC 270<\/a>, decided on June 17, 2016]<\/p>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC):While observing that damage to the goods caused due to moisture content following heavy rains would be <\/p>\n","protected":false},"author":3,"featured_media":199533,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,11],"tags":[3095,7881],"class_list":["post-55231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies","tag-NCDRC","tag-tendu-leaves"],"yoast_head":"\nRepudiation of claim for stock of Tendu leaves contaminated due to excessive rain and effect of moisture, not proper | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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of claim by insurance company on the ground of failure of written intimation of theft of vehicle, held proper","author":"Saba","date":"January 13, 2017","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): \u00a0NCDRC has held that failure of the insured to give immediate information of theft in writing to the insurance company would entitle the insurance company to repudiate the claim. While observing this, NCDRC upheld the repudiation of insurance claim by Reliance General Insurance Co.\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":44411,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/04\/20\/repudiation-of-insurance-claim-of-overloaded-bus-justified\/","url_meta":{"origin":55231,"position":1},"title":"Repudiation of insurance claim of overloaded bus, justified","author":"Sucheta","date":"April 20, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0While observing that huge overloading of vehicles adversely affects the steering control and increases the chance of driver to loose control of the vehicle which may cause accident, NCDRC upheld the repudiation of insurance claim of a bus on the ground of over loading. Earlier,\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":34231,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/02\/01\/repudiation-of-claim-by-insurance-companies-on-the-ground-of-delay-in-intimation-of-theft-of-vehicles-upheld\/","url_meta":{"origin":55231,"position":2},"title":"Repudiation of claim by insurance companies on the ground of delay in intimation of theft of vehicles, upheld","author":"Sucheta","date":"February 1, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0While observing that the theft of a vehicle is required to be reported to the insurance company immediately after the theft is detected otherwise the insurer is not liable to reimburse the insured for such a loss, NCDRC upheld the repudiation of insurance claim by\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":6382,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/02\/18\/repudiation-of-claim-on-ground-that-complainant-failed-to-prove-that-cause-of-death-was-a-result-of-accidental-injuries-upheld\/","url_meta":{"origin":55231,"position":3},"title":"Repudiation of claim on ground that complainant failed to prove that cause of death was a result of accidental injuries, upheld","author":"Sucheta","date":"February 18, 2015","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): NCDRC has upheld a repudiation of claim by an insurance company on the ground that complainant failed to prove that the cause of death of the insured was the injury caused by the accident. Earlier, complainant\u2019s mother obtained insurance cover from HDFC Ergo General\u2026","rel":"","context":"In "Tribunals\/Commissions\/Regulatory Bodies"","block_context":{"text":"Tribunals\/Commissions\/Regulatory Bodies","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/tribunals_commissions_regulatorybodies\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":6651,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/06\/04\/repudiation-of-policy-claim-on-the-ground-of-non-disclosure-of-material-facts-declared-improper\/","url_meta":{"origin":55231,"position":4},"title":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper","author":"Sucheta","date":"June 4, 2015","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): While declaring the repudiation of claim of a policyholder by the insurance company on the ground of non-disclosure of material facts as improper, NCDRC directed the insurance company to pay the insurance cover amount to the policyholder. A pilot of a private airline had\u2026","rel":"","context":"In "Tribunals\/Commissions\/Regulatory Bodies"","block_context":{"text":"Tribunals\/Commissions\/Regulatory Bodies","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/tribunals_commissions_regulatorybodies\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":26621,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/11\/19\/repudiation-of-claim-upheld-as-complainant-failed-to-take-reasonable-steps-to-safeguard-insured-property\/","url_meta":{"origin":55231,"position":5},"title":"Repudiation of claim upheld as complainant failed to take reasonable steps to safeguard insured property","author":"Sucheta","date":"November 19, 2015","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): NCDRC has upheld the repudiation of claim by the insurance company in a case of theft of cash on the ground that complainant (appellant) failed to take reasonable care for protection of cash by leaving the doors of the car unlocked. Earlier, complainant who\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/55231","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=55231"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/55231\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/199533"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=55231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=55231"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=55231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}