# J&K consumer commission raps Tata AIG, Bajaj Allianz for unfair claim repudiation 2026-08-09T06:11:42+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet The Jammu & Kashmir State Consumer Disputes Redressal Commission has held Tata AIG General Insurance guilty of deficiency in service for repudiating fire insurance claims by treating standard Kashmiri buildings with wooden plank roofs as 'kutcha constructions'. The commission ordered the insurer to pay Rs 30.97 lakh to three firms whose walnut stocks were destroyed in a fire, noting that such roofs are standard in Kashmir due to heavy snowfall and that the 'kutcha' warranty was unreasonable. In a separate order, the same commission dismissed an appeal by Bajaj Allianz General Insurance against a district consumer forum's order to pay a claim for a house that collapsed due to land subsidence. The commission held that once the insured shows loss from a covered peril, the burden shifts to the insurer to disprove it. It rejected the insurer's reliance on a surveyor's opinion based on a casual inspection without scientific soil testing, noting three other buildings in the locality had also collapsed simultaneously. ## Coverage - livelaw.in - livelaw.in Tags: consumer rights, fire claim, insurance, J&K, kutcha construction, Tata AIG Canonical: https://indianopinion.org/jk-consumer-panel-rejects-tata-aigs-kutcha-roof-defence/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/jk-consumer-panel-rejects-tata-aigs-kutcha-roof-defence/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.