United India Insurance Co. Ltd. .. ... vs M/S Kiran Combers & Spinners .. ...

The Supreme Court upheld the decision of the National Consumer Disputes Redressal Commission, which found that the repudiation of the insurance claim by United India Insurance Company was unjustified. The Court emphasized that the insurer's liability should not be denied based on structural defects not covered under the policy, as the damage was caused by a flood, which was insured. The Court affirmed the award of Rs. 10,13,571.90 to the complainant, M/s Kiran Combers & Spinners, as per the second surveyor's assessment.