Case Law Analysis
Fire Insurance Repudiation | Wilful Act Must Be Proven; Negligence Alone Cannot Justify Claim Denial : NCDRC
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.