On August 29, 2023, the National Consumer Disputes Redressal Commission (NCDRC) upheld prior rulings in the New India Assurance versus Dip Bahadur Chettri case. The case highlights the need for home insurance buyers to select this policy carefully.
Highlights of the case
Chettri bought a home insurance policy with a sum insured of Rs 10 lakh, valid from July 2005 to July 2020, for his house in Darjeeling. An earthquake in September 2011 damaged the building, rendering it unfit for residence. The sub-assistant engineer of Darjeeling Municipality assessed the damage at Rs 32,12,514. The insured submitted a claim in December 2011.