The facts in brief manifest from the record and relevant forthe present purpose are that the respondent claimant wasrunning its factory situated at 78, Kilo Mile Stone, KarhansVillage, Main GT ... Road, Samalakha, Panipat and purchased twoStandard Fire and Special Perils Policies dated 29th June, 2013and 10th October, 2013. On 25th September, 2013 and thereafteron 25th October, 2013, a fire took place in the factory on accountof a short circuit as claimed by the respondent claimant.