#repudiation of claim

NCDRC rules that insurance repudiation is valid where surveyor reports question claim documents without concrete evidence. The judgment underscores that insurers cannot rely on mere suspicion to reject claims, setting a precedent for fair assessment standards under consumer protection laws.

The NCDRC has ruled that insurers cannot deny fire insurance claims based solely on worker statements or allegations of negligence. To repudiate a claim, the insurer must prove a wilful act by the insured - a higher threshold that protects policyholders from arbitrary rejections grounded in circumstantial or disputed testimony.