Insurer can’t change surveyor at its whim
An insurance company cannot appoint one surveyor after another till it gets a report favourable to it, the Supreme Court asserted in its judgment last week in the case, New India Assurance vs Luxra Enterprises. An insurer can reject a survey report, but it must give cogent reasons for doing so, pointing out inherent defects in it or it was arbitrary or excessive. In this case, there was a fire in the garment factory. It claimed Rs 55 lakh under the insurance policy. New India appointed a surveyor who allowed the full claim. Then