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

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