Consumer Redressal

We have an insurance for Standard Fire & Special Perils policy with United India Insurance company Limited. Recently we had an incident of Fire in building for which we claimed from United India Insurance. However the claim was declined by the UIIC with the reason "items damanged due to fire is not covered in the policy" This reason is unacceptable. When our building decided to go with UIIC for insurance, they have arranged for the Surveyor "Bharat A. Domadia" for which we have also paid the surveyor charges of Rs.48000/- The surveyor has not mentioned the break up of the fire installation which starts from the meter room covering the entire 10 floors and above. Since this was not covered, UIIC has declined stating no proper mention and the fire is covered only to the meter room. Our reason to file the claim is as end user we would have not known that a break up is required. Now the surveyor is not ready to accept his fault nor the insurance company is ready to settle our claim.