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\cs27\fs20\lang1024\langfe1024\noproof\insrsid2191582 22}}}{\cs27\fs20\insrsid2758403 
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Amira Furnishing Company Limited v New India Assurance Company Limited - HBC 41 of 2005L
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\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 IN THE HIGH COURT OF FIJI
\par AT LAUTOKA
\par CIVIL JURISDICTION
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 Civil Action No: HBC 41 of 2005L
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 BETWEEN:
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854 
\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 AMIRA FURNISHING COMPANY LIMITED}{\f0\fs24\insrsid13270854\charrsid13270854 
\par Plaintiff
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\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 AND:
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854 
\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 NEW INDIA ASSURANCE COMPANY LIMITED
\par }{\f0\fs24\insrsid13270854\charrsid13270854 Defendant
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\ul\insrsid13270854 
\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\ul\insrsid13270854\charrsid13270854 JUDGMENT
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\ul\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 Judgment of}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 :}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 Ms Dias Wickramasinghe J.
\par Counsel}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 :}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 Mr Peter Lowing for the plaintiff}{\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 Mr A.K. Narayan for the defendant
\par Solicitors}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 :}{\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 Lowing & Associates for the plaintiff
\par }{\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 AK Narayan Lawyers for the defendant}{\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 Date of Judgment}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 :}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 8 December 2011}{
\b\f0\fs24\insrsid13270854 
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}\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\f0\fs24\insrsid13270854\charrsid13270854 \trowd \irow0\irowband0
\ts11\trgaph108\trrh297\trleft-90\trftsWidth3\trwWidth9090\trftsWidthB3\trftsWidthA3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrs\brdrw30 \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth9090\clshdrawnil \cellx9000\row }\trowd \irow1\irowband1\lastrow 
\ts11\trgaph108\trrh330\trleft-90\trftsWidth3\trwWidth9090\trftsWidthB3\trftsWidthA3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778 \clvertalt\clbrdrt\brdrs\brdrw30 \clbrdrl\brdrtbl \clbrdrb\brdrs\brdrw30 \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth9090\clshdrawnil \cellx9000\pard \qc \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 Keywords:}{\b\f0\fs24\insrsid13270854  }{
\b\f0\fs24\insrsid13270854\charrsid13270854 insurance; interest under Insurance Law Reform Act 1996\cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\f0\fs24\insrsid13270854\charrsid13270854 
\trowd \irow1\irowband1\lastrow \ts11\trgaph108\trrh330\trleft-90\trftsWidth3\trwWidth9090\trftsWidthB3\trftsWidthA3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778 \clvertalt\clbrdrt\brdrs\brdrw30 \clbrdrl\brdrtbl \clbrdrb
\brdrs\brdrw30 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth9090\clshdrawnil \cellx9000\row }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 INTRODUCTION}{\b\f0\fs24\insrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [1]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff, by its writ of summons seeks }{\i\f0\fs24\insrsid13270854\charrsid13270854 inter alia }{\f0\fs24\insrsid13270854\charrsid13270854 
for a declaration that the defendant is liable to indemnify the plaintiff under two fire policies for loss and damage caused by a fire that occurred on 16 November 2002. 
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\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [2]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The alleged causes of action arise, pursuant to refusal by the defendant to indemnify the plaintiff on the insurance policies by its letter of 4 May 2004}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn 
{\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\fs16\super\insrsid13270854\charrsid7540945 \chftn }{
\fs16\insrsid13270854\charrsid7540945  Exhibit A- document 6}{\fs16\insrsid13270854 8}{\fs16\insrsid13270854\charrsid7540945 .}}}{\f0\fs24\insrsid13270854\charrsid13270854 . 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 BACKGROUND
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [3]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff-company carried on a furniture business at Lot 18 Nasilivata Road, Namaka Industrial Sub division, Nadi (the }{\b\i\f0\fs24\insrsid13270854\charrsid13270854 property}{
\f0\fs24\insrsid13270854\charrsid13270854 ). The plaintiff alleges that on 16 November 2002, around 10 pm, an unknown gang entered the plaintiff\rquote s property and set it on fire. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [4]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Six months prior to that fire, on 16 May 2002, the plaintiff\rquote s furniture business caught fire from an electrical fault.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 The defendan
t indemnified the plaintiff for the first fire in the sum of $800,000.00 and also gave an undertaking that it will continue to insure the plaintiff\rquote s business}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\fs16\cf6\super\insrsid13270854\charrsid8658979 \chftn }{
\fs16\cf6\insrsid13270854\charrsid8658979 Exhibit A \endash  documents 95 and}{\fs16\insrsid13270854\charrsid478583  96 and document 13(v) }}}{\f0\fs24\insrsid13270854\charrsid13270854 . After the first fire, the plaintiff relocated 
its business at the location where the second fire erupted, which is said to be the place it commenced its business. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [5]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant admits that both policies of insurance, bearing numbers 922626-1111-011289 and 922626-1111-000679 were in force at the time of the fire (}{\b\i\f0\fs24\insrsid13270854\charrsid13270854 Policies}{
\f0\fs24\insrsid13270854\charrsid13270854 )}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\fs16\super\insrsid13270854\charrsid478583 \chftn }{\fs16\insrsid13270854\charrsid478583  Exhibit A- document 89 for policies. And documents 90 and 91 for the extent of the covers.}}}{
\f0\fs24\insrsid13270854\charrsid13270854 .}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 PLEADINGS 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [6]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff amended the statement of claim on 1 June 2011 and the amended statement of defence was filed on 3 June 2011. The reply to the statement of defence was objected to by the defendant but was s
ubsequently filed by the plaintiff with consent on 8 June 2011. 
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\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [7]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant in the statement of defence denied liability and raised a number of defences including a general defence; arson; false statements; fraud; fraudulent exaggeration; 
limitation under an arbitration clause and non-cooperation. The plaintiff objects to the defence on the basis of waiver and promissory estoppel.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 HEARING 
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [8]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 On the morning of the date of hearing the defendant informed court that it will not pursue with the defence of arson. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [9]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Both counsel also requested court to disregard the original agreed bundle of documents which was filed on 20 July 2010, and submitted two new bundles of agreed documents, marked exhibits }{
\b\f0\fs24\insrsid13270854\charrsid13270854 A}{\f0\fs24\insrsid13270854\charrsid13270854  (titled as \lquote }{\i\f0\fs24\insrsid13270854\charrsid13270854 List of Correspondence for year 2002\rquote }{\b\i\f0\fs24\insrsid13270854\charrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 consisting of 92 documents) and }{\b\f0\fs24\insrsid13270854\charrsid13270854 B }{\f0\fs24\insrsid13270854\charrsid13270854 (titled as \lquote Missing enclosures/letter for year 2002 consisting of 5 documents). 
In addition to the agreed bundle, the plaintiff produced documents P1; A 18(b) and A98 and the defendant D1 to D3. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [10]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff led the evidence of three witnesses. }{\b\f0\fs24\insrsid13270854\charrsid13270854 PW1-}{\f0\fs24\insrsid13270854\charrsid13270854  Mr. David Robertson; }{\b\f0\fs24\insrsid13270854\charrsid13270854 
PW2-}{\f0\fs24\insrsid13270854\charrsid13270854  Vijaya Krishnan; }{\b\f0\fs24\insrsid13270854\charrsid13270854 PW3-}{\f0\fs24\insrsid13270854\charrsid13270854  Michael Makki. The defendant led the evidence of Garry Luff (}{
\b\f0\fs24\insrsid13270854\charrsid13270854 DW1}{\f0\fs24\insrsid13270854\charrsid13270854 ). Both counsel also made oral submissions and filed written submissions. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 THE PLAINTIFF\rquote S CASE }{\f0\fs24\insrsid13270854\charrsid13270854 
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [11]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The alter ego of the plaintiff, Mr Michael Makki, is a Lebanese national who alleged that he left Lebanon at the age of 15 and travelled to Australia where he had worked in the furniture industry. In 1992, he 
arrived in Fiji as a consultant to Burns Philip (Fiji) Ltd and thereafter had commenced his furniture business, where the sales had first been locally and then expanded to Australia and Pacific Islands. He is an artisan, specialising in manufa
cturing furniture using cut timber as raw material which he states has no value to other furnishing manufacturers, thereby yielding high profit margins relative to similar businesses.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
He is illiterate in the English language in writing, and had therefore engaged the services of Mr David Roberson who assisted him }{\i\f0\fs24\insrsid13270854\charrsid13270854 pro bono }{\f0\fs24\insrsid13270854\charrsid13270854 with his 
correspondence and negotiations. Mr Robertson also assisted the plaintiff to submit documentation on both fires to the defendant. Mr Makki and his wife are the shareholders of the plaintiff company. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [12]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff alleged that it operated as a modest company; met its commitments; and provided a living for its staff and the principal owners}{
\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{\fs16\insrsid13270854\charrsid2635811 Exhibit A document 28.}}}{\f0\fs24\insrsid13270854\charrsid13270854 . Its business generated income from local sales and exports to Australia and Pacific Island
. The plaintiff further alleged that between 1998 to May 1999, it built a new factory at the cost of $800,000.00. It is this factory that was destroyed by the first fire. Despite the downturn faced by many businesses in Fiji due to the c
oup in May 2002, the plaintiff states that it retained its staff in employment during that period.
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [13]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The letter of Mr Roberson dated 10 March 2003, which was submitted as an agreed document (Exhibit A-document 28) sets out in 
detail the financial status of the plaintiff-company up to the second fire. It appears that the plaintiff re-established itself after the first fire with the support he received from his Australian partner and the indemnity of $800,000.00 paid by the 
defendant-insurance company, which paid most of the outstanding debts of the plaintiff when the first fire broke out.}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\fs16\super\insrsid13270854\charrsid2635811 \chftn }{\fs16\insrsid13270854\charrsid2635811 
 Exhibit A document 16}}}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [14]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 After the first fire, the plaintiff had borrowed a sum of $200,000.00 as working capital from Colonial Mutual Life, securing the property as collateral. It had also borrowed machinery and e
quipment from various sources in order to resume its business. In 2006, Mr Makki said he sold the business for $135,000.00 to settle the outstanding sum to Colonial. Some photographs were produced in court marked P1, of the burnt machinery 
which had been stored in a yard and taken just before the hearing. He also said that he would not use the equipment again as they are made of cast iron which is easily destroyable at high temperature and the usage of the machineries such as heavy knives 
or saw could endanger safety of the plaintiff\rquote s employees. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [15]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff had reconstructed some of the documents that were destroyed by the fire and submitted same to the defendants 
with covering letters dated 4 December 2002}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid16737438 Exhibit A document 11}}}{\f0\fs24\insrsid13270854\charrsid13270854 
 and 20 December 2002}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\cs58\fs16\super\insrsid13270854\charrsid16737438 \chftn }{\fs16\insrsid13270854\charrsid16737438  }{\fs16\lang3081\langfe1033\langnp3081\insrsid13270854\charrsid16737438 Document 18 and 18 (b) of the agreed bundle of documents}}}{
\f0\fs24\insrsid13270854\charrsid13270854 . The plaintiff also said that most of the records were destroyed in the first fire and what was not destroyed in the first fire was destroyed in the second fire. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 DEFENDANT\rquote S CASE 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [16]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The letter of declinature dated 4 May 2004, which consisted}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 of 4 pages finally declined the claim }{
\i\f0\fs24\insrsid13270854\charrsid13270854 inter alia}{\f0\fs24\insrsid13270854\charrsid13270854  stating;}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 \lquote Your allegations that your client has been co-operative are denied.\~
 He has still not signed and returned the interview.\~ His non-co-operative attitude has continued to date.\~We have been instructed to inform you and your client through your office that our client declines your clients claim on }{
\b\i\f0\fs24\insrsid13270854\charrsid13270854 this}{\i\f0\fs24\insrsid13270854\charrsid13270854  ground as also on the grounds that your client has }{\b\i\f0\fs24\insrsid13270854\charrsid13270854 provided false information}{
\i\f0\fs24\insrsid13270854\charrsid13270854  in support of its claim and the claim is }{\b\i\f0\fs24\insrsid13270854\charrsid13270854 false, fraudulent and fraudulently exaggerated}{\i\f0\fs24\insrsid13270854\charrsid13270854 .\~ Our client also has
 reasonable cause to decline the claim on the grounds that your client by its servants and/or agents deliberately set fire to the insured premises to obtain the insurance moneys under the policy of insurance issued by our client\rquote  }{
\f0\fs24\insrsid13270854\charrsid13270854 (}{\b\f0\fs24\insrsid13270854\charrsid13270854 emphasis added}{\f0\fs24\insrsid13270854\charrsid13270854 )
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [17]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant appointed McLarens Young International (formally McLarens Topils) as assessors and loss adjusters and GAB Robins Investigation to investigate the claim. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [18]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Whilst McLarens Topils submitted a report,}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\fs16\super\insrsid13270854\charrsid4984862 \chftn }{
\f36\fs16\insrsid13270854\charrsid4984862  }{\f36\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid4984862 Affidavit of Woods- RCW1}}}{\f0\fs24\insrsid13270854\charrsid13270854  GAB Robins Investigation had not submitted a report. In evidence,
 Mr Luff on behalf of GAB Robins Investigation informed court that the plaintiff gave letters of authorization for him to carry out investigations with the financiers but due to non cooperation of the plaintiff he was unable to complete his i
nvestigations. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [19]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 When evaluating the evidence there was a reference to two reports of McLarens. When counsel made oral submissions,
 I requested the counsel to draw my attention to the first report and Mr Lowing in his final submissions informed court that they are unaware of such report. Mr Narayan however attached a copy of the report to his final submissions. The said report was 
not adduced into evidence and therefore I will not consider the report or any submissions made relating to the McLaren\rquote s report dated 2 December 2002. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [20]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The letter of declinature dated 4 May 2004}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\fs16\super\insrsid13270854\charrsid4984862 \chftn }{
\f36\fs16\insrsid13270854\charrsid4984862  }{\f36\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid4984862 Exhibit A-document 68}}}{\f0\fs24\insrsid13270854\charrsid13270854  confirms that 
the primary reason for refusal to indemnify the plaintiff was non cooperation and making false statement. It is also apparent from the documentation}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\fs16\super\insrsid13270854\charrsid4984862 \chftn }{
\f36\fs16\insrsid13270854\charrsid4984862  Exhibit A documents 27 and 29}}}{\f0\fs24\insrsid13270854\charrsid13270854  that the defendant was of the view that the plaintiff-
company was experiencing severe financial hardships and therefore had difficulties to remain financially buoyant in the long term.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 DEFENCES 
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [21]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant submits several defences on the basis of (i) false statements, (ii) fraud or fraudulent exaggeration, (iii) non- cooperation and (iv) limitation.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854  
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [22]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Let me now examine these defences under the separate headings for convenience. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 (i) False Statements}{
\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [23]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 In insurance contract, it is a fundamental principle that both insured and the insurer must act in utmost good faith. This principle
 is intrinsically interwoven in the field of insurance that it should be followed by both parties before the commencement of the contract, i.e., before the insurer accepts liability; throughout th
e contract period; during its renewals; and finally when claims are considered by the insurer. If the insured at any point of time makes a false statement, despite whether the contract of policy has specific terms to address the issue or not, the insurer 
can determine and decline the claim against the insured. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [24]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 When the defendant is relying on \lquote false statement\rquote  as a defence, then, the defendant must prove that the plaintiff made false statement at the investigation stage to succeed in this defence. The def
endant cannot rely on the false statements made by the insured at the hearing in support of the defence, if such statements were not made at the investigation stage. The rationale is based on the rights
 exercised by the insurer to decline the claim if the insured had made false statements. The insurer must therefore satisfy itself after careful investigation that the statement is false and in fact, the statement was designed by the plaintiff 
to conceal a particular fact whereby the insurer would have otherwise been misled to pay the claim. When the insurer decline the claim based on false statement,
 the court would then consider whether the declinature made on such false statement is justifiable. In contrast to this situation, the trial judge would consider any false statements made at the hearing to determine the credibility of the witness. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [25]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 I have considered at length the legal position of all defences of false statement and non cooperation in my}{\f0\fs24\insrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 judgment-}{\b\i\f0\fs24\insrsid13270854\charrsid13270854 G.P. Reddy & Company Ltd v New India Assurance Company Ltd }{\f0\fs24\insrsid13270854\charrsid13270854 
[2011] FJHC 680; HBC48.2008L (31 October 2011) with relevant authorities. I will therefore not repeat myself with the relevant authorities unless I wish to address further on a particular issue.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [26]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The alleged false statements as set out in the amended statement of defence at paragraph 3.2 are as follows:}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard\plain \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\i\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff was financially sound at the time of the subject fire and the one that occurred earlier in May 2002}{\i\f0\fs24\insrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff had suffered plant and equipment loss in the fire valued at $118,043.30}{\i\f0\fs24\insrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff had acquired machinery from John Grey Designs for $40,000.00 of which it had paid $20,000.00 before the fire.}{\i\f0\fs24\insrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff had acquired machinery from John Grey Designs for $60,000.00}{\i\f0\fs24\insrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 5.\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff did not owe any money to the tax department}{\i\f0\fs24\insrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 6.\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 There had not been a down turn in the plaintiff\rquote s business from 1999 to the date of the first fire}{\i\f0\fs24\insrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 7.\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff\rquote s business from 1999 to the time of the first fire was good.}{\i\f0\fs24\insrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 8.\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 VAT records were lost by the Inland Revenue Department
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\i\f0\fs24\insrsid13270854\charrsid13270854 
\par False statement on (i), (vi) and (vii) and }{\b\i\f0\fs24\insrsid13270854\charrsid13270854 VAT returns}{\b\i\f0\fs24\insrsid13270854 
\par }{\b\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [27]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The defendant contends that t
he false statements in respect of (i), (vi) and (vii) above are to be found in the interview given by Mr Makki (PW3) to Mr Gary Luff (DW1)}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\lang3081\langfe1033\langnp3081\insrsid13270854 See document "D-2" Refer to page 37, third question and answer, Page 38 second question and answer and page 39, final question and answer.}}}{\f0\fs24\insrsid13270854\charrsid13270854 . The 
defendant further submits that the combination of the statements together with the evidence given by Mr Makki in court were designed to paint a false picture that the business up to the first fire and subsequently leading 
to the second fire was doing well and there hadn't been a decline.}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [28]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 In support of this defence, the defendant highlights at paragraph 4.8 and 4.9 the alleged false statements that were made by Mr Makki and Mr Roberson in court.}{\f0\fs24\insrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 Due to the reasons given above, I will not consider those statements when I determine the justification of this defence. The defendant also relies on documents 27 to 29 in the agreed bundle of documents
 in support of this defence (Exhibit A).}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [29]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 A statement given that the company is doing financially well is subjective. An interpretation to such a statement requires a 
full build up of the entirety of the background than an isolated questioning as found in the instant case. The plaintiff witnesses at the hearing and in the audio record states that the plaintiff\rquote s company was a profitable business 
before the first fire but the 2000 coup affected its business, yet it was able to sustain in the market due to the exports thereby not retrenching the staff. Both Mr Makki and Mr Roberson said they had 
just started rebuilding the business when the second fire broke out. Documents 27 to 29 do not depict a contrary view.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
I have no doubt that after the first fire the plaintiff would have undergone some financial difficulties but the insurance payout from the first fire would have cushioned most of it. It is evidence from the bank reconciliation documents 
read together with the payment breakdown that the plaintiff had attempted to re-establish itself.}{\f0\fs24\insrsid13270854  
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [30]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The financial position of the plaintiff could be considered by the defendant to determine a possible situation of arson. The defendant itself had concluded that the plaintiff did not commit arson. 
I am unable to conclude that the plaintiff deliberately attempted to mislead the defendant to indemnify itself.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 I therefore 
conclude that the plaintiff did not attempt to falsely mislead the defendant of its financial status.}{\f0\fs24\insrsid13270854  
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [31]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I use the same reasons stated above relating to VAT payments. The plaintiff only submitted accounts for the years 1998 to 2001. On a perusal of those accounts, it appears that the plaintiff had to pay VAT.
 The plaintiff says he has paid VAT. I have no evidence before me to determine whether the plaintiff paid VAT after the fire. Nor do I have VAT documents or evidence by a FIRCA official before me to make a finding whether the plaintiff made a 
false statement. After the defendant dropped the arson defence, I am also of the view that the financial position of the company seems insignificant.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\i\f0\fs24\insrsid13270854\charrsid13270854 Machinery purchased from John Grey Designs }{\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [32]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant alleges that the plaintiff made false statement for some 10 items of equipment purchased from Grey Project Designs. The defendant had included this defence under false statement and non cooperation
. I will therefore discuss both of these issues later in my judgment. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 NON COOPERATION}{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [33]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The defendant alleged that the plaintiff failed to cooperate and provide assistance that was required of it to 
Mr Gary Luff (DW1) and Mr Reginald Woods. The duty to render assistance is provided under clause 6 in the conditions of the policies.}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{\f36\insrsid13270854\charrsid2950848 
See document 89 Agreed Bundle of Documents (Bundle A)}}}{\f0\fs24\insrsid13270854\charrsid13270854  The policies required the plaintiff to }{\i\f0\fs24\insrsid13270854\charrsid13270854 \'93give such pr
oofs and information with respect to the claim as may be reasonably required together \'85\'85. no claim under the policy shall be payable unless the terms of this condition have been complied with.}{\f0\fs24\insrsid13270854\charrsid13270854 \'94
 The compliance with the conditions of the policy is a condition precedent to the right of}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 recovery by the plaintiff.}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote 
\pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\super\insrsid13270854\charrsid2950848 \chftn }{
\f36\insrsid13270854\charrsid2950848  See document 89 Agreed Bundle of Documents (Bundle A) page 1, at paragraph 2}}}{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [34]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The details required to be given to an insurer will vary according to facts of each case, 
depending on the nature of the claim, the nature of the trade and the nature of the goods involved.}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\super\insrsid13270854\charrsid2950848 \chftn }{\f36\insrsid13270854\charrsid2950848  }{
\f36\lang3081\langfe1033\langnp3081\insrsid13270854\charrsid2950848 L'Union Fire Accident and General Insurance v Klinker Knitting Mills (1938) 59 CLR at 709}}}{\f0\fs24\insrsid13270854\charrsid13270854  The details called for by the defendant or on 
its behalf must be reasonable as envisaged in condition 6 of the policy. Where the insured fails to fully comply with all reasonable requests the insurer succeed in this defence}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote 
\pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\super\insrsid13270854\charrsid2950848 \chftn }{
\f36\insrsid13270854\charrsid2950848  }{\f36\insrsid13270854 I have set out the legal authorities relating to this issue in the judgement -}{\f36\insrsid13270854\charrsid2950848 
G.P. Reddy & Company Ltd v New India Assurance Company Ltd [2011] FJHC 680; HBC48.2008L (31 October 2011)}}}{\f0\fs24\insrsid13270854\charrsid13270854 . 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [35]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 Mr Lowing submits that in requiring the proof of a claim or in deciding whether the proof given is sufficient the insurers cannot
 act capriciously, unreasonably, or unjustly, by requiring evidence which is not necessary to satisfy them on any reasonable view of the case. It is sufficient if the assured lays before the insurer evidence with which reasonable ma
n would be satisfied, and it is unnecessary to show that the insurers have in fact been satisfied. I agree with Mr Lowing on this point.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [36]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The defendant- New India had set ou
t the particulars of non cooperation in paragraph 5.2 of the statement of defence. The defendant in its written submissions informed court that they are not pursing the particulars set out in sub paragraphs 9, 10, 11 and 12 in paragraph 5.2. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [37]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The defendant\rquote s allegation of non cooperation is predominantly based on (i)}{\f0\fs24\insrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 the failure to provide VAT Returns, income tax returns and financial statements for the prior three years (as at the date of request on the 26 November 2002); (ii) the}{\f0\fs24\insrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 failure to sign the transcript and failure to give further interview to clarify matters; (iii) failure to comply with the request to obtain a \lquote core test\rquote  for the building; (iv) the failure 
to provide documents to support purchase of machinery; (v) failure to obtain quotations from builders for the repairs to the building; (vi) failure to supply bank statements;}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 and 
(vii) failure to obtain a report and quotation for repairs to machinery that was partially damaged by the fire.
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [38]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 I will now examine these issues under those headings.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 (i)}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 VAT returns}{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [39]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 When FIRCA was subpoenaed to come before court to give evidence,
 they wrote to the Deputy Registrar of their inability to provide the tax returns due to the secrecy provision in section 52 of the Fiji Revenue and Customs Authority Act. The evidence of the plaintiff was that it had delivered the documents to 
FIRCA and they had lost them. The defendant was appraised during the investigation stage of these difficulties. In the circumstances, I am unable to conclude that the plaintiff is in breach of non cooperation.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 (ii)}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 Transcript}{\f0\fs24\insrsid13270854\charrsid13270854 
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [40]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The fire occurred on 16 November 2002. On 22 November 2002, Mr Luff- the fire investigator interviewed Mr. Makki with his consent. This interview was audio recorded. The audio recording clearly reve
als that Mr Makki willingly gave the interview and at one point, he even stated that he had no objection to the manner in which the interview was carried out. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [41]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 On or around 25 March 2004}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid5334230 Exhibit A- document 64}}}{\f0\fs24\insrsid13270854\charrsid13270854 
; one year and four months after the first interview Mr Luff requested Mr Makki to sign the transcript of the audio recording of the first interview and also 
requested for another interview. It is admitted that Mr Luff did not provide a copy of the audio recording when he requested Mr Makki to sign it. Mr Makki refused to sign the transcript or give another interview, which
 is construed by the defendant as non cooperative.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [42]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I have carefully considered the documents leading to this request. I am of the view that Mr Luff\rquote s request to sign the transcript without providing th
e audio record after one year and four months is unreasonable. In any event, I do not see the need to have the transcript signed by Mr Makki when the audio record was available. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [43]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 I find that the relationship of the parties subsequently soured and Mr Makki
 says that Mr Luff treated him like a common criminal. Mr Roberson also wrote to New India of this fact and it appears that the plaintiff formed the view that the entire investigation was aimed at finding avenues not to indemnify the plaintiff. It is admi
tted that some unknown group deliberately lit the fire, 
but Mr Luff suspected Mr Makki to have had a hand in it. Even in his evidence before court, Mr Luff admitted that he was suspicious of Mr Makki as the originator of the second fire as the second fire o
ccurred within 6 months from the first. I cannot fault the plaintiff\rquote 
s attitude towards Mr Luff as unreasonable or inappropriate considering the manner in which Mr Luff had conducted the investigation for one and a half years. Exhibit A -docs 64 to 68 ampl
y reveal, the manner in which the relationship between the parties had further deteriorated. I am unable to accept that the plaintiff\rquote s refusal to sign the transcript can be construed as non cooperation given the circumstances of this case.}{
\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 (iii)}{\b\f0\fs24\insrsid13270854  }{
\b\f0\fs24\insrsid13270854\charrsid13270854 Core tests and (iv)}{\f0\fs24\insrsid13270854\charrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 Ownership of machinery 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [44]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I will discuss both of these issue when I consider the plaintiffs claims in order to avoid being repetitive.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 (vi)}{\b\f0\fs24\insrsid13270854  }{
\b\f0\fs24\insrsid13270854\charrsid13270854 Quotations for repair of the building
\par }{\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [45]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff submitted a report from Engineered Design to assess the damages caused to its building by the fire. The Engineered Designs after inspection prepared the report with estimated r
epair costs. The defendant appointed McLarens to assess the loss and after due consideration McLarens recommended the repair costs recommend in the report of Engineered Designed}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
except the repair cost for structural upgrading and the cost of $10,000.00 recommend as unknown costs. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [46]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The allegation on non cooperation arises due to the plaintiff not submitting two quotations to the defendant justifying the repair costs. The defendant did not adduce evide
nce to justify the request for two quotations. Mr Roberson at the hearing confirmed that obtaining the quotations were not difficult, as undertaken in document 36, but informed that plaintiff wanted the defendant to at least admit liability before prov
iding further documents. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [47]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The issue for determination by this court at this point is non cooperation. The defendant appointed McLarens to assess the claim. The plaintiff submitted a report and the repair cost for the building thr
ough a report it obtained from Engineered Designed. In doing so, I am of the view that the plaintiff complied with its obligation. It was the defendant\rquote s obligation thereafter to either accept o
r reject it. I am not convinced that without taking a decision, the defendant could have persistently requested for two more quotations from the plaintiff to make a final decision. 
I could accept non cooperation of the plaintiff if it had not produced the report from Engineered Designs. I am not convinced that the request for further quotations were reasonable when the plaintiff had already submitted a report in support of its claim
. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 (vii) 
Financial statements and bank statements}{\f0\fs24\insrsid13270854\charrsid13270854 
\par 
\par {\listtext\pard\plain\s28 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [48]\tab}}\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff provided t
he defendant with its financial statements from 1998 to 2001. The defendant requested further financial statements from June 2001 to June 2002 and from June 2002 to November 2002}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote 
\pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\f36\insrsid13270854\charrsid1270551 see document no. 24 of the Agreed Bundle A}}}{\f0\fs24\insrsid13270854\charrsid13270854 . The plaintiff contends that the balance financial statements could not be reconstructed and therefore could not be produced.
 The plaintiff states that it provided the bank statements up to November 2002}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- doc 17 and 25.}}}{\f0\fs24\insrsid13270854\charrsid13270854  and gave 
Mr Luff unlimited authority to obtain documents from the source, i.e., from KPMG, Banks, etc.
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [49]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 Mr Luff in his evidence said he was unable to complete the investigations as the plaintiff failed to provide the required documentation. 
It appears to me that Mr Luff simply awaited the plaintiff to provide all the documentation at his table without conducting independent investigations despite receiving unlimited authority from the plaintiff, to obtain any information as he pleases
 from the bankers, supplier and other business associates including the plaintiffs\rquote  accountants KPMG. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [50]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 I have carefully considered the correspondence dated 14 February 2003}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- Doc 24}}}{\f0\fs24\insrsid13270854\charrsid13270854 , 25 February 2003}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- Doc 25}}}{\f0\fs24\insrsid13270854\charrsid13270854 , 3 March 2003}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- Doc 27}}}{\f0\fs24\insrsid13270854\charrsid13270854 , 10 March 2003}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- Doc 28}}}{\f0\fs24\insrsid13270854\charrsid13270854 , two letters dated 11 March 2003}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- Doc 29 and 30}{\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid15281690 
\par }}}{\f0\fs24\insrsid13270854\charrsid13270854 , between GAB Robins Investigations and Viti Property Management Services Limited. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [51]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Mr Luff explicitly informed the plaintiff that his investigations reveal that the plaintiff was facing severe financial hardships. His subsequent reply dated 11 March 2003 is also evidence that he had 
reached a decision after investigations that the plaintiff was in severe financial hardships. Considering this conclusion, I am not convinced that the plaintiff did not cooperate with Mr Luff as alleged. In fact, I find that some of the requests 
made by Mr Luff, as set out in my judgment were unreasonable, and the plaintiff had provided the documents to the best of its ability and the defendant should have therefore made a decision to either accept or reject the claim.}{\f0\fs24\insrsid13270854  
}{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [52]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The defendant did not lead evidence to justify the reasons for requesting for Telecom and Vodafone`
 statements or how the investigations got hampered due to not providing these documents. I am therefore unable to make a finding.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 Fraud and fraudulent exaggeration }{
\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [53]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff sets out 3 separate particulars of fraud in paragraphs 4 of the statement of defence. However, in its written submissions, the 
defendant limited the particulars relating to this to the following}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{\lang1033\langfe1033\langnp1033\insrsid13270854 See paragraph 5 of the defense written submissions. }}}{
\f0\fs24\insrsid13270854\charrsid13270854 .}{\f0\fs24\insrsid13270854  
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\f1\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af1\dbch\af0\loch\f1 (a)\tab}}\pard\plain \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin720\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\i\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff did not own machinery of the value of $118,043.30}{\i\f0\fs24\insrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \i\f1\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af1\dbch\af0\loch\f1 (b)\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff did not suffer loss to its building in the sum of $350,000.00 as submitted on 6th December 2002.
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [54]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The facts
 of these two issues overlap with some of the other defences which I will discuss in detail elsewhere in my judgement. Suffice to say at this moment that the defendant must prove fraud and it had not proved this defence. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 Defence of Limitation }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [55]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The defendant alleged that clause 12 of the insurance 
policy contained a limitation period, which required the defendant to refer the matter for arbitration within one year. I already construed the identical insurance policy clause relating to the arbitration clause at length in the case of}{
\b\i\f0\fs24\insrsid13270854\charrsid13270854  G.P. Reddy & Company Ltd v New India Assurance Company Ltd }{\f0\fs24\insrsid13270854\charrsid13270854 [2011] FJHC 680; HBC48.2008L (31 October 2011)
 and do not therefore wish to be repetitive except to the extent necessary to determine this issue in this case.
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [56]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The defendant took up this defence only in the amended statement of defence filed on 3 June 2011, just one week prior to the hearing.
 The plaintiff relies on the principle of waiver and promissory estoppel to defend this issue.
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [57]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 It is my judgment that if the defendant intended to rely on the limitation period of one year, then it was 
incumbent upon the defendant to make an application under section 5 of the Arbitration Act to stay the proceedings in the High Court.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 Section 5 of the Arbitration Act stipulates: }{\f0\fs24\insrsid13270854 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854 '}{\i\f0\fs24\insrsid13270854\charrsid13270854 
If any party to a submission, or any person claiming through under him, commences any legal proceedings in any court against any ot
her party to the submission, or any other person claiming through or under him, in respect of any matter agreed to be referred, any party to such legal proceedings may, }{\b\i\f0\fs24\ul\insrsid13270854\charrsid13270854 
at any time after appearance and before delivering any pleadings or taking any other steps in the proceedings}{\i\f0\fs24\insrsid13270854\charrsid13270854 
, apply to the court to stay the proceedings, and that court, if satisfied that there is no sufficient reason why the matter should not be referred in accordance with the submission and that the applicant was at the time when the proc
eedings were commenced and still remains ready and willing to do all things necessary to the proper conduct of the arbitration, may make an order staying the proceedings. }{\f0\fs24\insrsid13270854\charrsid13270854 (}{
\b\f0\fs24\insrsid13270854\charrsid13270854 Emphasis added}{\f0\fs24\insrsid13270854\charrsid13270854 ) 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [58]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Section 5 of the Arbitration Act is explicit that the defendant should have made an application to stay the proceedings before a }{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 step}{
\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854  of the instant action.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 
s action was filed in 2005 and the defendant did not make an application under section 5 of the Arbitration Act. To me, the provision in section 5 of the Arbitration Act is a positive rule of law,
 where strict compliance is necessary. In the circumstances I conclude that the defendant had not taken the appropriate steps to reap the benefits of this issue. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 INSURANCE POLICES 
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [59]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff is relying on two policies; policy numbers 922626-1111-011289}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\fs16\super\insrsid13270854\charrsid3308876 \chftn }{\fs16\insrsid13270854\charrsid3308876  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid3308876 Exhibit A- document 90}}}{\f0\fs24\insrsid13270854\charrsid13270854  and 922626-1111-000679}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\fs16\super\insrsid13270854\charrsid3308876 \chftn }{\fs16\insrsid13270854\charrsid3308876  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid3308876 Exhibit A- document 91}}}{\f0\fs24\insrsid13270854\charrsid13270854 . These two policies cover the following perils. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\ul\insrsid13270854\charrsid13270854 Policy numbers}{
\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\ul\insrsid13270854\charrsid13270854 property insured}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\ul\insrsid13270854\charrsid13270854 Sum insured }{\b\f0\fs24\ul\insrsid13270854 
\par }{\b\f0\fs24\ul\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \f3\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 922626-1111-011289}{\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 (i) Building}{\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 $350,000.00
\par }\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 at Namaka Nadi}{\i\f0\fs24\insrsid13270854  }{
\i\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \f3\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin720\itap0\pararsid13270854 {
\i\f0\fs24\insrsid13270854\charrsid13270854 922626-1111-000679}{\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 (ii) Finish and in process}{\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 $100,000.00

\par }\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 furniture and fabric material}{\i\f0\fs24\insrsid13270854  }{
\i\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 (iii)Furniture manufacturing}{\i\f0\fs24\insrsid13270854  }{
\i\f0\fs24\insrsid13270854\charrsid13270854 $100,000.00
\par }{\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 Equipment and other equipment 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\b\fs22\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 Fire policies no }{\b\f0\fs24\insrsid13270854\charrsid13270854 922626-1111-011289 for building- $350,000.00
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [60]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant states that the plaintiff had fraudulently exaggerated the value of the building by claiming a sum of $550,000.00 as depicted in the cl
aim form at Exhibit A document 97. Having carefully considered the claim form, I find that the claim of $550,000.00 is inclusive for stock and trade and machinery. 
The claim form which was prepared soon after the fire has set out the claim on the full extent of the cover. The amount claimed for the building is $350,000 and not $550,000 as stated by the defendant.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [61]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 It also appears to me the sum of $350,000 had been put in for the full amount of the insured sum and the plaintiff had only claimed $87,997.57 as
 repair cost. The defendant alleged fraud or fraudulent exaggeration of the claim. I see no merit whatsoever in the allegation. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [62]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The fire did not destroy the entirety of the building. The plaintiff must therefore prove the repair cost based on market valu
e. The plaintiff obtained a report from Engineered Designs in December 2002. The said report suggests a sum of $187,997.57 as estimated costs for repair, which had been itemized as follows. }{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854 
\par }\trowd \irow0\irowband0\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid16000158\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740{\listtext\pard\plain\intbl\f3\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 
\loch\af3\dbch\af0\hich\f3 \'b7\tab}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\jclisttab\tx1440\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid13270854\charrsid13270854 Repairs for building}{\f0\fs24\insrsid13270854 \cell }\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 {\f0\fs24\insrsid13270854 \cell }{
\f0\fs24\insrsid13270854\charrsid13270854 $118,406.89}{\f0\fs24\insrsid13270854 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid13270854 \trowd \irow0\irowband0\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid16000158\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl
\jclisttab\tx1440\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854 \cell }\pard 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 {\f0\fs24\insrsid13270854 \cell \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854 \trowd \irow1\irowband1
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid16000158\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row {\listtext\pard\plain\intbl\f3\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\jclisttab\tx1440\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
Plus Contingency sums:}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\intbl\jclisttab\tx1440\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 {\f0\fs24\insrsid13270854 \cell }\pard 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 {\f0\fs24\insrsid13270854 \cell \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
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\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\jclisttab\tx1440\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 Electrical}{\f0\fs24\insrsid13270854 \cell }\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 {
\f0\fs24\insrsid13270854\charrsid13270854 -$ 7,500.00}{\f0\fs24\insrsid13270854 \cell \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
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\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl
\jclisttab\tx1440\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 Structural upgrading following core tests}{
\f0\fs24\insrsid13270854 \cell }\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 {\f0\fs24\insrsid13270854\charrsid13270854 -$35,000.00}{\f0\fs24\insrsid13270854 \cell \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854 \trowd \irow4\irowband4
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\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\jclisttab\tx1440\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 Other unknown}{\f0\fs24\insrsid13270854 \cell }\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 
{\f0\fs24\ul\insrsid13270854\charrsid13270854 -$10,000.00}{\f0\fs24\insrsid13270854 \cell \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
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\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl
\jclisttab\tx1440\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854 \cell }\pard 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 {\f0\fs24\ul\insrsid13270854\charrsid13270854 $52,500.00}{\f0\fs24\insrsid13270854 \cell }{\f0\fs24\ul\insrsid13270854\charrsid13270854 $}{
\f0\fs24\ul\insrsid13270854  }{\f0\fs24\ul\insrsid13270854\charrsid13270854 52,500.00}{\f0\fs24\insrsid13270854 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854 \trowd \irow6\irowband6
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\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\jclisttab\tx1440\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854 \cell }\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 {\f0\fs24\ul\insrsid13270854\charrsid13270854 \cell }{
\f0\fs24\insrsid13270854\charrsid13270854 $170,906.89}{\f0\fs24\insrsid13270854 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid13270854 \trowd \irow7\irowband7\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid16000158\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl
\jclisttab\tx1440\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 Plus 10% VAT}{\f0\fs24\insrsid13270854 \cell }\pard 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 {\f0\fs24\ul\insrsid13270854\charrsid13270854 \cell }{\f0\fs24\ul\insrsid13270854\charrsid13270854 $}{\f0\fs24\ul\insrsid13270854  }{
\f0\fs24\ul\insrsid13270854\charrsid13270854 17,090.68}{\f0\fs24\insrsid13270854 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid13270854 \trowd \irow8\irowband8\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid16000158\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854 \cell }{\f0\fs24\insrsid13270854\charrsid13270854 TOTAL}{
\f0\fs24\ul\insrsid13270854\charrsid13270854 \cell }{\f0\fs24\ul\insrsid13270854\charrsid13270854 $187,997.57}{\f0\fs24\insrsid13270854 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854 \trowd \irow9\irowband9\lastrow 
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\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4608\clshdrawnil \cellx4500\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx6120\clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx7740\row }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [63]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 McLarens Toplis- the loss assessors, investigated the scene and submitted its report dated 25 February 2003, which was attached marked }{\f0\fs24\insrsid13270854 "}{\b\f0\fs24\insrsid13270854\charrsid13270854 
RCW-1}{\b\f0\fs24\insrsid13270854 '}{\b\f0\fs24\insrsid13270854\charrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 to the affidavit of Reginald Claude Woods marked }{\b\f0\fs24\insrsid13270854\charrsid13270854 A 98.}{\b\f0\fs24\insrsid13270854 
 }{\f0\fs24\insrsid13270854\charrsid13270854 
The loss assessors found the cost of repairs for building and electrical work to be reasonable but did not recommend the sums claimed for structural upgrading and other unknown amounting to $35,000.00 and $10,000.00 respectively. The repor
t submitted by Engineered Designs states that the inspection of the upper level was not conclusive due to the inability of the engineer to gain access; but states that it witnessed that the upper floor required repairs. Having considered both reports, 
I award the sum of $118,406.89 for building repair and $7500.00 for electrical works as recommended by Engineered Designs and concurred by McLarens Toplis.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854  
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 Structural upgrading/ Core tests}{\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [64]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Let me now examine the sum of $35,000.00 recommended for structural upgrading. Engineered Designs recommended $35,000.00 as repair cost on an exterior investigation of the building and recommended a
 core test to be carried out to determine the extent of structural damage to the building. The plaintiff did not conduct core tests.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [65]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Witness Vijay Krishnana (PW2) who gave evidence before this court said the purpose of the core test is to determine any loss of strength in the concrete compared to what it was used to be in the design. 
He also said that doing a core test is prudent as it is required when giving subsequent structural certification with confidence. 
According to the witness, the test is expensive, each costing about $2000.00 for each test and several such tests have to be conducted to come to a final finding. As for plaintiff}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 
s building he said about 10 such core tests would be required. In his evidence, Mr Krishna also confirmed the difficulty in conducting core test as only one company conducts such test in Fiji and therefore explained the problems to carry out such 
tests due to the dearth of its availability. He also said the bulkiness of the test equipment also restrict it to be moved to the upper floors.
 Mr Roberson in his cross-examination said he attempted to obtain a core test but was unable to do so due to some problem which he could not remember. 
Mr Makki in his oral testimony said he was unable to carry out the core test due to its heavy costs and the defendant had refused to pay for it.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [66]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant submits that any structural upgrading should be limited to the fire damage and not to any pre-existing structural problems. I agree with the defendant}{\f0\fs24\insrsid13270854 '}{
\f0\fs24\insrsid13270854\charrsid13270854 s submissions. The defendant states that it, therefore, requested the plaintiff to submit core test reports to determine the claim submitted for structural damage,
 which had not been heeded to by the plaintiff and its failure amounts to non cooperation. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [67]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 I am mindful 
that the defendant could not have paid $35,000.00 for structural damage to the building without adequate proof. The plaintiff must prove that the building suffered structural damaged due to the fire. However, defendant being in the insurance business in 
Fiji for a considerable time should have known or ought to have known the difficulties encountered by parties to obtain core tests. Considering the diff
iculties and the costs involved in conducting core tests, I see no justification for the defendant to have insisted on the plaintiff to carry out the core test and decline the claim based on non cooperation.
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [68]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 Although I concluded that not providing the core test would not amount to non cooperation
, the plaintiff is however not automatically entitled to the $35,000.00 recommended by Engineered Design.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 As I said earlier the plaintiff must prove that the 
fire caused structural damage to the building. I have no evidence before me to determine that the fire damaged the structure of the building. In court,
 Mr Roberson said the plaintiff would have undertaken the repair work himself. I am ready to accept that evidence, especially in the light of the unchallenged evidence that Mr Makki constructed the building himself using his workforce. 
However the plaintiff}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 s own consultant, Engineered Designs recommended a core test and did not explain the basis of calculating the amount of $35,000.00. In the absence of evidence
 to the contrary that the fire damaged the structure of the building, I am unable to consider $35,000.00 recommended in the Engineered Designed report. Accordingly I disallow the sum of $35,000.00 claimed for }{\f0\fs24\insrsid13270854 '}{
\f0\fs24\insrsid13270854\charrsid13270854 structural upgrading following core tests}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 . 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 Contingency sum \endash  other unknown
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [69]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff is also claiming $10,000.00 as contingency sum for unknown works. McLarens Toplis refuses this claim on the basis for want of better particulars. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [70]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 It is common in building contracts to have a set percentage figure as construction contingency for unforseen emergencies or for
 design short falls identified after a construction project commences. Generally the contingency is included in the budget so that the project can proceed with minimal administrative delays or interruption for small non-scope changers or cost overruns. 
Generally construction contingencies are limited to 5% of the construction estimates for new works and 7% of the construction estimates for renovation projects}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\fs16\super\insrsid13270854\charrsid16528008 \chftn }{\fs16\insrsid13270854\charrsid16528008  }
{\field\flddirty{\*\fldinst {\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid16528008  HYPERLINK "http://sam.dgs.ca.gov/TOC/6000/6854.htm" }}{\fldrslt {\cs32\fs16\ul\cf2\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid16528008 
http://sam.dgs.ca.gov/TOC/6000/6854.htm}}}{\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid16528008  ( State Administrative Manual) Chapter 6800 }{\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 
. Also see FIDIC Conditions of Construction Contract }{\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid16528008 
\par }}}{\f0\fs24\insrsid13270854\charrsid13270854 . 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [71]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I have carefully examined the repair costs to the building set out in the report submitted by Engineered Designs 
in the instant case. In summary, the following repairs have to be carried out as depicted in the report.}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\f3\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin720\itap0\pararsid16000158 {
\i\f0\fs24\insrsid13270854\charrsid13270854 The entire roof structure will need to be replaced.}{\i\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\i\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\f3\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin720\itap0\pararsid16000158 {
\i\f0\fs24\insrsid13270854\charrsid13270854 The timber mezzanine areas at the front and rear will need to be replaced }{\i\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\i\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\f3\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin720\itap0\pararsid16000158 {
\i\f0\fs24\insrsid13270854\charrsid13270854 There have been some strength degradation to concrete and masonry}{\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 components suspended slab to assess the extent of any strength loss. }
{\i\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\i\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\f3\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin720\itap0\pararsid16000158 {
\i\f0\fs24\insrsid13270854\charrsid13270854 All internal finishing and fit out will be required. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [72]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Considering the nature of the repairs, I am of the view that it is reasonable to fix a contingency for the unforeseen repair work. I accordingly award 7% on the repair costs of $118,406.89 as contingency sum. 

\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 Betterment factor 
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [73]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 McLarens report recommends a reduction of 
15% betterment factor on the total repair sum. This amount is considered on the basis that the building is 17 years old and will last 80 years. The betterment factor in the present context has been used on the basis of calculating depreciation, a method
 used in accounting to value the buildings. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [74]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Both counsel filed comprehensive written submissions on the betterment factor in their respective final submissions filed on 2 December 2011 and 6 December 2011 respectively. I am thankful to both
 counsel for their well researched submissions. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [75]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The defendant in the policy of insurance at page 1 of second last paragraph agreed to indemnify the plaintiff on either of the following basis:}{
\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par }\pard\plain \s28\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16000158 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\i\f0\fs24\insrsid13270854 "}{\i\f0\fs24\insrsid13270854\charrsid13270854 \'85
the Company will pay the Insured the value of the Property at the time of the happening of its destruction }{\b\i\f0\fs24\insrsid13270854\charrsid13270854 or}{\i\f0\fs24\insrsid13270854\charrsid13270854  the amount of such damage }{
\b\i\f0\fs24\insrsid13270854\charrsid13270854 or }{\i\f0\fs24\insrsid13270854\charrsid13270854 at its option reinstate or replace such Property or any part thereof.}{\i\f0\fs24\insrsid13270854 "}{\i\f0\fs24\insrsid13270854\charrsid13270854 
 (emphasis added)
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [76]\tab}}\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 It is evident from the above that the insured after accepting liability could either pay the value of the property, damages as calculated or reinstate/replace the property or part thereof. 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [77]\tab}}\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant contends that when payment is made it is entitled to reduce a percentage as betterment. The plaintiff states that the insurance policy does
 not provide for the reduction of betterment, especially in clause 8 which deals with reinstatement; therefore the defendant is not entitled to reduce a percentage as betterment. 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [78]\tab}}\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The application of betterment in insurance contract was dealt in detail in the cases of }{\i\f0\fs24\insrsid13270854\charrsid13270854 J}{\cs60\i\f0\fs24\insrsid13270854\charrsid13270854 
 & B Caldwell Limited v Logan House Retirement Home Limited}{\cs58\i\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\fs16\super\insrsid13270854\charrsid15139450 \chftn }{\f36\fs16\insrsid13270854\charrsid15139450  }{\f36\fs16\cf1\insrsid13270854\charrsid15139450 [1999] 2 NZLR 99}}}{
\f0\fs24\insrsid13270854\charrsid13270854 ;}{\i\f0\fs24\insrsid13270854\charrsid13270854  Harbutt}{\i\f0\fs24\insrsid13270854 '}{\i\f0\fs24\insrsid13270854\charrsid13270854 s Plasticine Ltd v Wayne Tank and Pump Co Ltd}{
\cs58\i\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s57\qj \fi-720\li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid13270854 \fs24\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\cs58\f36\fs16\super\insrsid13270854\charrsid15139450 \chftn }{\f36\fs16\insrsid13270854\charrsid15139450  }{\f36\fs16\cf1\insrsid13270854\charrsid15139450 [1970] 1 QB 447}}}{\f0\fs24\insrsid13270854\charrsid13270854 ;}{
\i\f0\fs24\insrsid13270854\charrsid13270854  General Accident Insurance Asia Ltd v Sakr & Ors}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\fs16\super\insrsid13270854\charrsid15139450 \chftn }{
\f36\fs16\insrsid13270854\charrsid15139450  (2001) 11 ANZ Insurance \'b661-508}}}{\f0\fs24\insrsid13270854\charrsid13270854 ; in }{\i\f0\fs24\insrsid13270854\charrsid13270854 Vintix Pty Ltd v Lumley General Insurance Ltd}{
\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\cs58\f36\fs16\super\insrsid13270854\charrsid15139450 \chftn }{\f36\fs16\insrsid13270854\charrsid15139450  (1991) 6 ANZ Ins Cas 61-050}}}{\f0\fs24\insrsid13270854\charrsid13270854 ;}{\cs42\b\i\f0\fs24\insrsid13270854\charrsid13270854  }{
\cs61\i\f0\fs24\insrsid13270854\charrsid13270854 Reynolds v Phoenix Assurance Co Ltd}{\cs58\i\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\fs16\super\insrsid13270854\charrsid15139450 \chftn }{
\f36\fs16\insrsid13270854\charrsid15139450  }{\cs62\f36\fs16\insrsid13270854\charrsid15139450 [1978] 2 Lloyd's Rep}{\f36\fs16\insrsid13270854\charrsid15139450  }{\cs62\f36\fs16\insrsid13270854\charrsid15139450 440}}}{
\cs62\f0\fs24\insrsid13270854\charrsid13270854 ;}{\cs42\b\i\f0\fs24\insrsid13270854\charrsid13270854  }{\cs61\i\f0\fs24\insrsid13270854\charrsid13270854 Vance v Forster}{\cs58\i\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\fs16\super\insrsid13270854\charrsid15139450 \chftn }{
\f36\fs16\insrsid13270854\charrsid15139450  }{\cs62\f36\fs16\insrsid13270854\charrsid15139450 (1841)}{\f36\fs16\insrsid13270854\charrsid15139450  }{\cs62\f36\fs16\insrsid13270854\charrsid15139450 Ir Cir Rep 47}}}{
\cs62\f0\fs24\insrsid13270854\charrsid13270854 ; }{\cs61\i\f0\fs24\insrsid13270854\charrsid13270854 Ewer v National Employers}{\cs61\i\f0\fs24\insrsid13270854 '}{\cs61\i\f0\fs24\insrsid13270854\charrsid13270854  Mutual General Insurance Association Ltd}{
\cs58\i\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\cs58\f36\fs16\super\insrsid13270854\charrsid15139450 \chftn }{\f36\fs16\insrsid13270854\charrsid15139450  }{\cs62\f36\fs16\insrsid13270854\charrsid15139450 [1937] 2 All ER 193}{\f36\fs16\insrsid13270854\charrsid15139450  }{
\cs62\f36\fs16\insrsid13270854\charrsid15139450 at 203}}}{\cs61\i\f0\fs24\insrsid13270854\charrsid13270854 ;}{\i\f0\fs24\insrsid13270854\charrsid13270854  Byrne v JS Hill & Associates Ltd}{\cs58\i\f0\fs24\insrsid13270854\charrsid13270854 \chftn 
{\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\f36\fs16\super\insrsid13270854\charrsid15139450 \chftn }{
\f36\fs16\insrsid13270854\charrsid15139450  [1993] FJHC 49; Hbc0228j.90s (11 June 1993, Fatiaki J)}}}{\i\f0\fs24\insrsid13270854\charrsid13270854 ;}{\i\f0\fs24\insrsid13270854\charrsid13270854  Gwam Investments Pty Ltd v Outback Health Screenings Pty Ltd}
{\cs58\i\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\cs58\f36\fs16\super\insrsid13270854\charrsid11036582 \chftn }{\f36\fs16\insrsid13270854\charrsid11036582  }{\f36\fs16\cf1\kerning36\insrsid13270854\charrsid11036582 [2010] SASC 37 (25 February 2010, Supreme Court of South Australia}}}{
\i\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 which were referred to in the written submissions of the parties. 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [79]\tab}}\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 T}{\cs62\f0\fs24\insrsid13270854\charrsid13270854 he rationale for reducing a percentage for betterment is that the insured should not receive more than the indemnity for its loss, as a result of replacement of 
equipment with new ones or rebuilding damaged property with new materials. }{\f0\fs24\insrsid13270854\charrsid13270854 A consideration of these judgements seems to be centred on the same factors such as (1) 
the betterment could be reduced when replacement of equipments are made with new items; (2) when a building is constructed using new material; (3) the onus of proving the quantum of any betterment is on the defendant with adequate evidence. 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [80]\tab}}\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 In my judgment, the defendant is entitled to reduce a sum or percentage as betterment if it can be proved with evidence that the building or the equipment that are to be purchased or replaced are new
 or modernised or in much better condition than the building or machinery that was destroyed by fire. }{\f0\fs24\insrsid13270854 "}{\f0\fs24\insrsid13270854\charrsid13270854 A better building does not necessarily mean a building of greater value}{
\f0\fs24\insrsid13270854 "}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{\f36\fs16\insrsid13270854\charrsid935199 General Accident Insurance Asia Ltd v Sakr & Ors [20}{\f36\fs16\insrsid13270854 
01] NSWCA 402, (15 November 200)}}}{\f0\fs24\insrsid13270854\charrsid13270854 .}{\i\f0\fs24\insrsid13270854\charrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 In other words if the building is rebuilt using old material or if the equipment are
 replaced using second hand equipment, then a reduction for betterment cannot be made. The replaced article must envisage being modernised to the extent of being superior to the reconstructed or replaced equipment. The court would then b
e required to consider the betterment on the evidence before it. 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [81]\tab}}\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 In the instant case, McLarens report does not provide evidence to show how the plaintiff}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 
s reconstruction of the building or replacement of items would ensure betterment. The defendant must adduce specific evidence in this regard
 such as calling a report of the new items that would be purchased to replace the damaged equipment or evidence to demonstrate that an old dilapidated building is modernised to be superior after the reconstruction. 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s28 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [82]\tab}}\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant had not provided any evidence before me to conclude that it is entitled to reduce a percentage for betterment. It is also noteworthy that the plaintiff did not reconstruct
 the building or replace the equipment. In fact, in 2006 the plaintiff sold its business. In any event, Mr Wood justifies the reduction of 15% on a depreciation scale, which in my mind has no relevance to determine betterment. Accordingly, I disallow the 
15% recommended as betterment factor. 
\par }\pard \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [83]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The McLaren}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 s report states th
at the VAT was increased to 12.5% from 1 January 2003. Accordingly under the fire policy for building repairs I award a sum of }{\b\f0\fs24\insrsid13270854\charrsid13270854 $150,969.79}{\f0\fs24\insrsid13270854\charrsid13270854 , on the following basis.}{
\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11088482 {\f0\fs24\insrsid11088482 
\par }\trowd \irow0\irowband0\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth3348\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth2340\clshdrawnil \cellx5580{\listtext\pard\plain\intbl\f3\lang2057\langfe1033\langnp2057\insrsid11088482\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}\pard\plain \ql \fi-360\li720\ri0\nowidctlpar\intbl
\jclisttab\tx720\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin720\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Repairs for building}{\f0\fs24\insrsid11088482 \cell }\pard 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 {\f0\fs24\insrsid11088482\charrsid13270854 -}{\f0\fs24\insrsid11088482  }{\f0\fs24\insrsid11088482\charrsid13270854 $ 118,406.89}{\f0\fs24\insrsid11088482 
\cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow0\irowband0\ts59\trgaph108\trleft-108\trbrdrt
\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth3348\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth2340\clshdrawnil \cellx5580\row {\listtext\pard\plain\intbl\f3\lang2057\langfe1033\langnp2057\insrsid11088482\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard\plain \ql \fi-360\li720\ri0\nowidctlpar\intbl
\jclisttab\tx720\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin720\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Electrical works}{\f0\fs24\insrsid11088482 \cell }\pard 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 {\f0\fs24\insrsid11088482\charrsid13270854 -}{\f0\fs24\insrsid11088482  }{\f0\fs24\insrsid11088482\charrsid13270854 $}{\f0\fs24\insrsid11088482  }{
\f0\fs24\insrsid11088482\charrsid13270854 7,500.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482 \trowd \irow1\irowband1\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv
\brdrs\brdrw10\brdrcf1 \trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl
\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth3348\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2340\clshdrawnil \cellx5580\row {\listtext\pard\plain\intbl\f3\lang2057\langfe1033\langnp2057\insrsid11088482\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard\plain 
\ql \fi-360\li720\ri0\nowidctlpar\intbl\jclisttab\tx720\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin720\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 7% contingency}{
\f0\fs24\insrsid11088482 \cell }\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 {\f0\fs24\insrsid11088482\charrsid16000158 - $}{\f0\fs24\ul\insrsid11088482  }{
\f0\fs24\ul\insrsid11088482\charrsid13270854 8,288.48}{\f0\fs24\insrsid11088482 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482 \trowd \irow2\irowband2\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv
\brdrs\brdrw10\brdrcf1 \trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl
\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth3348\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2340\clshdrawnil \cellx5580\row {\listtext\pard\plain\intbl\f3\lang2057\langfe1033\langnp2057\insrsid11088482 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard\plain \ql \fi-360\li720\ri0\nowidctlpar\intbl
\jclisttab\tx720\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin720\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \cell }\pard 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 {\f0\fs24\ul\insrsid11088482\charrsid13270854 $ 134,195.37}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow3\irowband3\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth3348\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth2340\clshdrawnil \cellx5580\row {\listtext\pard\plain\intbl\f3\lang2057\langfe1033\langnp2057\insrsid11088482\charrsid13270854 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard\plain \ql \fi-360\li720\ri0\nowidctlpar\intbl
\jclisttab\tx720\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin720\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Add 12.5% VAT}{\f0\fs24\insrsid11088482 \cell }\pard 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 {\f0\fs24\ul\insrsid11088482\charrsid13270854 $}{\f0\fs24\ul\insrsid11088482  }{\f0\fs24\ul\insrsid11088482\charrsid13270854 16,774.42}{
\f0\fs24\insrsid11088482 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow4\irowband4\ts59\trgaph108\trleft-108
\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth3348\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth2340\clshdrawnil \cellx5580\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\b\f0\fs24\insrsid11088482\charrsid13270854 Total}{\f0\fs24\insrsid11088482\charrsid13270854 \cell }{\b\f0\fs24\ul\insrsid11088482\charrsid13270854 $150,969.79}{\f0\fs24\ul\insrsid11088482\charrsid13270854 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow5\irowband5\lastrow \ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 
\trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
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\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth3348\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth2340\clshdrawnil \cellx5580\row }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11088482 {\f0\fs24\insrsid11088482 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 (ii)}{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 Fire policy number }{
\b\f0\fs24\insrsid13270854\charrsid13270854 922626-1111-000679 - Finish and in process furniture and fabric material -$100,000.00.
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [84]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 At the commencement of the hearing both counsel informed me that they are agreeable to accept the sum of $90,813.00 assessed in the McLarens report at RCW1 as value of the loss of the stock
 at the time of the fire.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [85]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I find that the McLarens had arrived at the figure after proper investigation. In any event, since the parties are in agreement on the value of the stock at the time of fire, without further dwelling on thi
s issue I award the plaintiff a sum of $90,813.00 under this policy of insurance. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 (iii) Fire policy number }{\b\f0\fs24\insrsid13270854\charrsid13270854 922626-1111-000679 - Furniture manufacturing Equipment and other equipment -$100,000.00
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [86]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The fire policy provides cover for furniture manufacturing equipment and other equipment for $100,000.00.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [87]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff claims a sum of $118,043.3 plus, and itemized same as stated below:}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158 
\par }\trowd \irow0\irowband0\ts59\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx5580\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482\charrsid13270854 John Grey Designs}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 $60,000.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
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\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
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\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx5580\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482\charrsid13270854 Popular Furniture}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 $29,590.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow1\irowband1\ts59\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx5580\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482\charrsid13270854 Pure Blue}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 $22,453.30}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow2\irowband2\ts59\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx5580\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482\charrsid13270854 Kingsew International}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 $\~ 5,940.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow3\irowband3\ts59\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx5580\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482\charrsid13270854 Hand tools & Other}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 To be advised}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow4\irowband4\ts59\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx5580\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482\charrsid13270854 Office Equipment & Other}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 $\~ 6,000.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow5\irowband5\ts59\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx5580\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 --------------------}{\f0\fs24\insrsid11088482 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow6\irowband6\ts59\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr
\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx5580\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 $118,043.3 plus}{\f0\fs24\insrsid11088482 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow7\irowband7\lastrow \ts59\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr
\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx5580\row }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid11088482 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [88]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Let me now examine these items under the same heading.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par Grey Project Designs- $60,000.00
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [89]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant strongly resisted the defence of non cooperation and false statement under this heading. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [90]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff submitted a claim for $60,000.00 for ten items of equipment that it had purchased from Grey Project Designs, which it says, was destroyed in the fire. In support of its claim,
 the plaintiff submitted a reconstructed document from Grey Project Designs that it sold the items for $60,000.00.}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{\f36\fs16\insrsid13270854\charrsid9778372 
Exhibit  }{\f36\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid9778372 P-18(b) and }{\f36\fs16\insrsid13270854\charrsid9778372 Doc 10 in Exhibit A}{\f36\fs16\insrsid13270854 - letter dated 3 December 2002}}}{
\f0\fs24\insrsid13270854\charrsid13270854  Grey Project Design by its letter of 3 December 2002 states that the plaintiff had to pay a balance sum of $45,000.00 for the equipment. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [91]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Mr Makki in his oral testimony informed court that he paid $25,000.00 to John Grey when he picked up the equipment. He then says he paid twice $10,000.00 each and fina
lly the total balance sum minus $1000.00, which was accepted by Mr. Grey as a final figure. However, Mr Makki was unable to submit any bank statements, or another supporting document to corroborate the payments or least state the dates of making such paym
ents. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854  
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [92]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Mr Robertson in his evidence said Mr Makki and Mr John Grey, Managing Director of Grey Project Designs negotiated the price for the machines and agreed a bulk payment of $60,000.00.}{\f0\fs24\insrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 After the fire when the assessors requested a breakdown of the figures Mr Robertson had prepared the list that was provided to McLarens as per the prices told to him by Mr Makki. It was Mr Roberson}{
\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 s evidence that Mr Makki was well conversant with the equipment and he knew the value of each item. Mr Roberson also said t
hat the machines were old fashioned, but was of very good manufacturing reputation and was made out of cast iron. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [93]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Grey Project Designs has its business adjacent to the plaintiff}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 s property, separated by a masonry wall. When the fire fighters came to defu
se the fire, Grey Project Designs alleged that its property was also damaged and they too lodged a claim with the defendant on 22 November 2002. }{\b\f0\fs24\insrsid13270854\charrsid13270854 (Doc 6 in Exhibit A)}{\f0\fs24\insrsid13270854\charrsid13270854 
. Schedule 2 of the said letter contains a list of items that was sold to Amira Furnishing factory under a sales and purchase agreement. It is also documented in the schedule that }{\i\f0\fs24\insrsid13270854 '}{
\i\f0\fs24\insrsid13270854\charrsid13270854 All transferred to Amira Furnishing Factory under Sales and Purchase Agreement which to date, is still incomplete}{\i\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 and declared the value as $30,000.00
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [94]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 It was two w
eeks thereafter that Grey Project Designs, wrote to the plaintiff the aforesaid letter of 3 December 2002, demanding the full settlement of the balance sum of $45,000.00 on the equipment sold to the plaintiff. }{
\b\f0\fs24\insrsid13270854\charrsid13270854 (Doc 10 in Exhibit A). }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [95]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Evidently, there is a disparity in the value of the ten machines declared by the plaintiff and Grey Project Designs, in their respective documents. Grey Project Designs, in }{
\b\f0\fs24\insrsid13270854\charrsid13270854 doc 6}{\cs58\b\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\fs16\super\insrsid13270854\charrsid13201819 \chftn }{\fs16\insrsid13270854\charrsid13201819  }{\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid13201819 Exhibit A}}}{
\f0\fs24\insrsid13270854\charrsid13270854  declared the value of the ten machines as $30,000.00, but two weeks later demanded $45,000.00 from the plaintiff. The plaintiff declared the value of the equipment as declared as $60,000.00 in Exhibit A- }{
\b\f0\fs24\insrsid13270854\charrsid13270854 doc 10 and doc 13(xii).}{\f0\fs24\insrsid13270854\charrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [96]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 It appears to me that when the insurer (McLarens) discovered the inconsistency of the}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 values declared by both parties, w
ithout disclosing that fact, McLarens requested the plaintiff to provide documents in support of ownership for all machinery purchased from all three different parties (doc 26 of Exhibit A and RCW2). The plaintiff by that time had reconstructed the docume
nts from the source and submitted same to McLarens by its letter of 10 December 2002 -A18 (b). 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [97]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 It appears from the correspondence before me that the defendant first discovered Grey Project Design}{\f0\fs24\insrsid13270854 '}{
\f0\fs24\insrsid13270854\charrsid13270854 s letter of 22 November 2002 only on the date of hearing i.
e 8 June 2011, when the parties requested for a short adjournment informing court that the counsel wishes to agree to more documents. The affidavit verifying the defendant}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 
s list of documents dated 9 August 2007 does not discover the letter of Grey Project Design dated 22 November 2002}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid5057481 Exhibit A- Doc 6}}}{\f0\fs24\insrsid13270854\charrsid13270854 . The said letter is not included in the agreed bundle of documents filed on 22 July 2010.}{\f0\fs24\insrsid13270854  

\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [98]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 McLarens persistently requested for documentary proof of ownership and the correspondence discloses that the plaintiff was unaware t
hat the investigation was pointing towards a doubt on the ownership of the equipment sold by Grey Project Designs. Upon examination of letters dated 3 March 2003, 25 March 2003}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- Doc 38}}}{\f0\fs24\insrsid13270854\charrsid13270854 , 15 April 2003}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- Doc 44}}}{\f0\fs24\insrsid13270854\charrsid13270854  sent by McLarens to Viti Property Management Services Ltd}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- Doc 26}}}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 and the replies thereto by letters dated 24 March 2003}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn 
{\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid5057481 Exhibit A- Doc }{\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 37}}}{\f0\fs24\insrsid13270854\charrsid13270854  and 26 March 2003}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 
\chftn {\footnote \pard\plain \s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\super\insrsid13270854 \chftn }{\insrsid13270854  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854 Exhibit A- Doc 39}{\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid5057481 
\par }}}{\f0\fs24\insrsid13270854 ,}{\f0\fs24\insrsid13270854\charrsid13270854  it is also apparent that the plaintiff was totally oblivious 
to the declaration made by Grey Project Design as the value of the items as $30,000.00. I am convinced that the plaintiff had no knowledge of the declaration made by Grey Project Designs.}{\f0\fs24\insrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [99]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I am unable to determine whether the equipment declared by Grey Project Design and the plaintiff is identical. Whilst both counsel address the matter in their respective final submissio
ns, it appears that the counsel have inconsistent opinion of the items declared even after the trial. The defendant states they are identical and the plaintiff says except for Thicknesser Wodhim Bursgreen}{\f0\fs24\insrsid13270854 "}{
\f0\fs24\insrsid13270854\charrsid13270854  (sic) valued at $10,000.00 the items listed in the Schedule under the heading }{\f0\fs24\insrsid13270854 "}{\f0\fs24\insrsid13270854\charrsid13270854 Timber Wood Working Machines}{\f0\fs24\insrsid13270854 "}{
\f0\fs24\insrsid13270854\charrsid13270854  (with the exception of one item) is not the same as the equipment claimed by the plaintiff.}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [100]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I am concerned in the manner McLarens investigated this matter. It appears to me that McLarens was awaiti
ng for the plaintiff to submit some conflicting documents and thereafter trap and ambush it. Although this historical method of investigation is acceptable, when the required information was not forthcoming the investigators should have known to move on a
nd follow the }{\i\f0\fs24\insrsid13270854\charrsid13270854 uberrima fide }{\f0\fs24\insrsid13270854\charrsid13270854 principles, which is of utmost importance in insurance claims, which should necessarily be followed by both the insured and the insurer.}
{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [101]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Mr Lowing further contends that if there is any improper claim, it is by Grey Project Designs who had made a claim for a piece of equipment, which by their own admission they sold, to the plain
tiff. A witness was not subpoenaed from Grey Project Design to give evidence before court. The defendant alleges that it was the plaintiff who should ha
ve led that evidence. I disagree. Explicitly it was the defendant who must prove that the plaintiff had submitted a false claim and not vice versa when it received the reconstructed documents on 10 December 2002.}{\f0\fs24\insrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 The defendant had not submitted evidence to prove the incongruity of the values of the items and it remains unexplained.}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [102]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I have no evidence to conclude that the matter was investigated by the defendant or on its behalf. Nor do I have evidence before me explaining the inconsistency of the values d
eclared by Grey Project Designs and the plaintiff. I do not have evidence before me to determine whether the McLarens or the defendant interviewed Mr John Grey on the disparity of the value. Nor do I have any evidence to determine whether there is a nexus
 between the items declared by Grey projects Design and the plaintiff. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [103]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant declined the claim based on non cooperation and false statements. In my mind McLarens should have been forthright at some point and obtain an explanation from both partie
s regarding the disparity. As I said earlier,
 both parties are required to act in utmost good faith. I am not convinced that the plaintiff was in breach of non cooperation under this heading of submitting documents for a matter they had no knowledge of. I 
am also not convinced that McLaren acted in good faith when conducting the investigations relating to the disparity. To me the investigation by McLarens on this matter is disappointing.
 Explicitly the plaintiff did not make a false statement as alleged by the defendant. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [104]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Grey Project Designs in its letter of 3 December 2002 confirms that it sold the equipment to the plaintiff for $60, 000.00.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 Mr Makki
 confirmed it purchased for $60,000.00 I am not concerned whether the payment was satisfied as such details would be matters for the buyer and the seller. In any event I
 have no evidence to say that Grey Project Designs had filed action to recover the balance payment from the plaintiff. In my mind the insurer only had to consider whether the plaintiff had an }{\f0\fs24\insrsid13270854 '}{
\f0\fs24\insrsid13270854\charrsid13270854 insurable interest}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854  and what was the actual value paid for the equipment. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [105]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
As stipulated in section 20 of the Sales of Goods Act (division 6), the title to movable property passes upon delivery or when the parties intend title to pass. Upon consideration 
of documents 6, 10 and 18(b) in Exhibit A, it is evident that ownership of the machinery sold by Grey Project Designs passed when the plaintiff took delivery of the items. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [106]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 As I said earlier the onus is on the plaintiff to submit supporting documents in respect of its claim. Accordingly, the plaintiff submitted documents 10 and the reconstructed documents at exhibit A 18(b) from 
Grey Project Designs in support of this claim. In my judgment the letter of 3 December 2002 of Grey Project Designs confirming the sale of the equipment to the plaintiff for a sum of $60,000.00 remains 
unchallenged. I therefore conclude that the value of the equipment sold by Grey Project Designs to the plaintiff is $60,000.00. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par Quotation for repair of the equipment 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [107]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff also provided a schedule of all the machinery as set out in Doc 13(xii)-Exhibit A, which I have reproduced below. McLarens report states that Mr Mak
ki provided a listing of the machinery and their observations of the status of the machinery are set out below as depicted in }{\b\f0\fs24\insrsid13270854\charrsid13270854 RWC1}{\cs58\f0\fs24\insrsid13270854\charrsid13270854 \chftn {\footnote \pard\plain 
\s43\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs20\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\cs58\fs16\super\insrsid13270854\charrsid13201819 \chftn }{\fs16\insrsid13270854\charrsid13201819  }{
\fs16\lang1033\langfe1033\langnp1033\insrsid13270854\charrsid13201819 Report attached Reginald C Woods of McLarens.}}}{\f0\fs24\insrsid13270854\charrsid13270854 . }{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158 
\par }\trowd \irow0\irowband0\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580
\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Belt Sander}{\f0\fs24\insrsid11088482 
\cell }{\f0\fs24\insrsid11088482 : }{\f0\fs24\insrsid11088482\charrsid13270854 $ 10,000.00}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 Half Burned}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow0\irowband0\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Planner with Borer}{
\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482 : $}{\f0\fs24\insrsid11088482\charrsid13270854  6,000.00}{\f0\fs24\insrsid11088482 \cell }{\b\f0\fs24\insrsid11088482\charrsid13270854 Burned}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow1\irowband1\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Wadkin Spindle}{
\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482 : $}{\f0\fs24\insrsid11088482\charrsid13270854  8,000.00}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 Half Burned}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow2\irowband2\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Combination Ripper}{
\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482 : $}{\f0\fs24\insrsid11088482\charrsid13270854  8,000.00}{\f0\fs24\insrsid11088482 \cell }{\b\f0\fs24\insrsid11088482\charrsid13270854 Burned}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow3\irowband3\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Cross cut with Borer}{
\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482 : }{\f0\fs24\insrsid11088482\charrsid13270854 $ 3,000.00}{\f0\fs24\insrsid11088482 \cell }{\b\f0\fs24\insrsid11088482\charrsid13270854 Burned}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow4\irowband4\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Ripper 12}{\f0\fs24\insrsid11088482 "}{
\f0\fs24\insrsid11088482\charrsid13270854  blade}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482 : $}{\f0\fs24\insrsid11088482\charrsid13270854  2,000.00}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 Ok}{
\f0\fs24\insrsid11088482 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow5\irowband5\ts59\trgaph108\trleft-108
\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Ripper 10}{\f0\fs24\insrsid11088482 "}{
\f0\fs24\insrsid11088482\charrsid13270854  blade}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482 : $}{\f0\fs24\insrsid11088482\charrsid13270854  3,000.00}{\f0\fs24\insrsid11088482 \cell }{\b\f0\fs24\insrsid11088482\charrsid13270854 Burned}{
\f0\fs24\insrsid11088482 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow6\irowband6\ts59\trgaph108\trleft-108
\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Single lathe}{\f0\fs24\insrsid11088482 
\cell }{\f0\fs24\insrsid11088482 : $}{\f0\fs24\insrsid11088482\charrsid13270854  2,000.00}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 OK}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow7\irowband7\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Band saw}{\f0\fs24\insrsid11088482 
\cell }{\f0\fs24\insrsid11088482 : }{\f0\fs24\insrsid11088482\charrsid13270854 $ 8,000.00}{\f0\fs24\insrsid11088482 \cell }{\b\f0\fs24\insrsid11088482\charrsid13270854 Burned}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow8\irowband8\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Wadkin Thicknesses}{
\f0\fs24\insrsid11088482 \cell }{\f0\fs24\ul\insrsid11088482 : }{\f0\fs24\ul\insrsid11088482\charrsid13270854 $10,000.00}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid11088482\charrsid13270854 Half burned}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow9\irowband9\ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16000158\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Total}{\f0\fs24\insrsid11088482 \cell }{
\f0\fs24\insrsid11088482 : }{\f0\fs24\insrsid11088482\charrsid13270854 $60,000.00}{\f0\fs24\insrsid11088482 \cell \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow10\irowband10\lastrow \ts59\trgaph108\trleft-108\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr
\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid11088482\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 
\clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2448\clshdrawnil \cellx2340\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx3960\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5580\row 
}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid11088482 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [108]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff is only entitled to claim for the equipment damaged by the fire. McLarens states that after inspection, they found a number of equipment that was repairable
 as listed in the last column in the above paragraph. Accordingly, the plaintiff was requested to provide reports from suitable consultants with a quotation of repair costs for those items that were repairable.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [109]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant submits that the failure of providing quotations by the plaintiff amounts to non cooperation. The plaintiff rightly or wrongly took a stance that the items are non-repairable. The defendant 
should have then accepted or rejected the claim without protracting its decision. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [110]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff is only entitled to claim for the items that are damaged by the fire. McLarens observed certain items are repairable and some are not. In my judgement if the plaintiff disagreed with McLaren}{
\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 s findings, it should submit independent corroborative evidence to challenge McLaren}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 s findings.}{
\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff did not submit such independent corroborative evidence for me to make a finding on the issue. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [111]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Accordingly, I only award the value of equipment which is identified as not burnt in the McLaren}{\f0\fs24\insrsid13270854 '}{\f0\fs24\insrsid13270854\charrsid13270854 s report attached to Mr Reginold Wood. The 
values of the said unburnt items are $28,000.00 as declared by the plaintiff. Accordingly I award $28,000.00 under this claim.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par Popular Furniture
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [112]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The General Manager of Popular Furniture Limited certified the delivery of the below items, valued at $29,590.00\~to the plaintiff on 16 July 2002. [See annexure in A 18(b)].}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11088482 {\f0\fs24\insrsid11088482 
\par }\trowd \irow0\irowband0\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680
\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Eichman Spindle Moulder}{
\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid11088482\charrsid13270854 $\~}{\f0\fs24\insrsid11088482  }{\f0\fs24\insrsid11088482\charrsid13270854 8,000.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow0\irowband0
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Wood lathe 3 phase}{\f0\fs24\insrsid11088482 \cell }{
\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid11088482\charrsid13270854 $}{\f0\fs24\insrsid11088482  }{\f0\fs24\insrsid11088482\charrsid13270854 2,000.00**}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow1\irowband1
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Band Saw 3 phase}{\f0\fs24\insrsid11088482 \cell }{
\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid11088482\charrsid13270854 $\~}{\f0\fs24\insrsid11088482  }{\f0\fs24\insrsid11088482\charrsid13270854 8,000.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow2\irowband2
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 Router 3 phase}{\f0\fs24\insrsid11088482 \cell }{
\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid11088482\charrsid13270854 $\~}{\f0\fs24\insrsid11088482  }{\f0\fs24\insrsid11088482\charrsid13270854 8,000.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow3\irowband3
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482\charrsid13270854 3X work benches}{\f0\fs24\insrsid11088482 \cell }{
\f0\fs24\ul\insrsid2191582 : }{\f0\fs24\ul\insrsid11088482\charrsid13270854 $\~\~\~\~}{\f0\fs24\ul\insrsid11088482  }{\f0\fs24\ul\insrsid11088482\charrsid13270854 900.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow4\irowband4
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \cell }{\f0\fs24\insrsid2191582 : }{
\f0\fs24\insrsid11088482\charrsid13270854 $ 26,590.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482 \trowd \irow5\irowband5\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482\charrsid13270854 Plus VAT}{\f0\fs24\insrsid11088482 \cell }{\f0\fs24\ul\insrsid2191582 : }{\f0\fs24\ul\insrsid11088482\charrsid13270854 $\~ 2,690.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow6\irowband6
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \cell \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid11088482 \trowd \irow7\irowband7
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid11088482\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid2191582\charrsid13270854 Total}{\f0\fs24\insrsid11088482 \cell }{
\b\f0\fs24\ul\insrsid2191582\charrsid13270854 $29,590.00}{\f0\fs24\insrsid11088482 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid11088482 \trowd \irow8\irowband8\lastrow 
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2988\clshdrawnil \cellx2880\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1800\clshdrawnil \cellx4680\row }\pard 
\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11088482 {\f0\fs24\insrsid11088482 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid13270854\charrsid13270854 ** \~\~
I find that the value for 3 phase wood lathe is inadvertently put as $20,000.00 when in fact it should be $2000.00 as declared in doc 13(xii).
\par \~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~\~}{\i\f0\fs24\insrsid13270854  }{\i\f0\fs24\insrsid13270854\charrsid13270854 \~\~\~\~\~\~\~\~\~\~\~\~ }{\i\f0\fs24\insrsid13270854 
\par }{\i\f0\fs24\insrsid2191582\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [113]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 McLarens report at RCW-1, depicts that number of these items were repairable.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 The 
report has documented that the spindle machine was in parts and was not operational before the fire and had observed only melting of a plastic cover in 2 lathes. McLarens however confirms that a single lathe ($2000.00), Brand S
aw ($8000.00) and Router ($8000.00) is fully burnt but it is silent regarding the status of the three work benches valued at $900. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [114]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 In the absence of other evidence to the contrary, I accept McLarens report which states that the}{\f0\fs24\insrsid13270854\charrsid13270854 
 Eichman Spindle Moulder\~valued at $8000.00 was in parts and not used before the fire. In the circumstances I only allow the claim for }{\f0\fs24\insrsid13270854\charrsid13270854 a single lathe ($200
0.00), Brand Saw ($8000.00) and Router ($8000.00) and the three workbenches ($900) totalling to $18,900. I also allow VAT at 12.5%. Accordingly I award $21,262.50 inclusive of VAT.
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 Pure Blue
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [115]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 Pure Blue forwarded a letter dated 10 December 2002 [}{\b\f0\fs24\insrsid13270854\charrsid13270854 A18 (b)}{\f0\fs24\insrsid13270854\charrsid13270854 
] indicating a number of items belonging to them that were in the premises of Amira that was destroyed.\~ These items are as follows:}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2191582 {\f0\fs24\insrsid2191582 
\par }\trowd \irow0\irowband0\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3168\clshdrawnil \cellx3780\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5400\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Speedaire Air Compressor}{\f0\fs24\insrsid2191582 
\cell }{\f0\fs24\insrsid2191582\charrsid13270854 $}{\f0\fs24\insrsid2191582  }{\f0\fs24\insrsid2191582\charrsid13270854 9,977.21}{\f0\fs24\insrsid2191582 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow0\irowband0
\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3168\clshdrawnil \cellx3780\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5400\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Dust extractor}{\f0\fs24\insrsid2191582 \cell }{
\f0\fs24\insrsid2191582\charrsid13270854 $ 11,931.64}{\f0\fs24\insrsid2191582 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid2191582 \trowd \irow1\irowband1\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3168\clshdrawnil \cellx3780\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5400\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid2191582\charrsid13270854 Fax Machine}{\f0\fs24\insrsid2191582 \cell }{\f0\fs24\ul\insrsid2191582\charrsid13270854 $\~ \~\~\~ 544.45}{\f0\fs24\insrsid2191582 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow2\irowband2
\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3168\clshdrawnil \cellx3780\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5400\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \cell }{\f0\fs24\insrsid2191582\charrsid13270854 $}{
\f0\fs24\insrsid2191582  }{\f0\fs24\insrsid2191582\charrsid13270854 22,453.30}{\f0\fs24\insrsid2191582 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow3\irowband3\lastrow 
\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3168\clshdrawnil \cellx3780\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5400\row }\pard 
\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2191582 {\f0\fs24\insrsid2191582 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [116]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff had declared the value of the same items in doc 13(xii) (exhibit A) as follows and McLarens observation of the items are also stated below: }{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2191582 {\f0\fs24\insrsid2191582 
\par }\trowd \irow0\irowband0\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1908\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx4140\clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5760\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Compressor}{\f0\fs24\insrsid2191582 \cell }{\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid2191582\charrsid13270854 $8,000.00}{\f0\fs24\insrsid2191582 
\cell }{\f0\fs24\insrsid2191582\charrsid13270854 Half Burnt}{\f0\fs24\insrsid2191582 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {
\f0\fs24\insrsid2191582 \trowd \irow0\irowband0\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1908\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx4140\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5760\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Single Sucker}{\f0\fs24\insrsid2191582 \cell }{
\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid2191582\charrsid13270854 $4,000.00}{\f0\fs24\insrsid2191582 \cell }{\f0\fs24\insrsid2191582 Half }{\f0\fs24\insrsid2191582\charrsid13270854 Burnt}{\f0\fs24\insrsid2191582 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow1\irowband1
\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1908\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx4140\clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5760\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Fax Machine}{\f0\fs24\insrsid2191582 \cell }{\f0\fs24\ul\insrsid2191582 : }{\f0\fs24\ul\insrsid2191582\charrsid13270854 $\~\~ 500.00}{
\f0\fs24\insrsid2191582 \cell }{\b\f0\fs24\insrsid2191582\charrsid13270854 Burnt}{\f0\fs24\insrsid2191582 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow2\irowband2
\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1908\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx4140\clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5760\row }\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Total}{\f0\fs24\insrsid2191582 \cell }{\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid2191582\charrsid13270854 $12,500.00}{\f0\fs24\insrsid2191582 \cell 
\cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow3\irowband3\lastrow 
\ts59\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1908\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx4140\clvertalt\clbrdrt\brdrtbl 
\clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1620\clshdrawnil \cellx5760\row }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2191582 {\f0\fs24\insrsid2191582 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [117]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 McLarens report at RCW-1 states that upon inspection they found that both the compressor and the dust extractor to be repairable. If the plaintiff is of the view that these items are not repairable, 
the onus is on the plaintiff to prove otherwise. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [118]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I also find that the evidence of Mr Makki is contradictory to the document submitted by Pure Blue at A18 (b). Mr Makki in his oral testimony said Pure Blue was in arrears of rent and when he came to the premises 
after the first fire and he negotiated to purchase some of the used equipment for $9900.00 and set it off for the arrears of rent. Contrary to this position, Pure Blue in its letter dated 10 December 2002, which was attached to A18 (b)
 said they are the owners of the goods that were on the premises of the plaintiff.}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
It is the plaintiff who submitted the aforesaid document. I am conscious that due to the passage of time the memory of the witnesses fades, but due to the glaring contradictory evidence, in the plaintiffs own evidence,
 I am unable to make a finding on this matter. Accordingly, I disallow the claim made for the equipment alleged to have been bought from Pure Blue. 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 Kingsew International
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [119]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff had provided an invoice that they supplied a walking foot machine and a reconditioned sewing machine for $5,400.\~ The defendant does not 
object to this payment. I accordingly allow this payment. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par  }{\b\f0\fs24\insrsid13270854\charrsid13270854 Hand tools and other
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [120]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Doc 13(xiii) lists a number of small tools etc purchased from Mahjibhai & Co valued at $2,880.\~I am of the view that the figure is reasonable for hand tools and therefore allow this claim.}{
\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par Office Equipment & Other
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [121]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff is claiming under this heading for the following items totalling a sum of $7900.00.}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2191582 {\f0\fs24\insrsid2191582 
\par }\trowd \irow0\irowband0\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2628\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx3960
\pard\plain \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Exhaust fan}{\f0\fs24\insrsid2191582 \cell 
}{\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid2191582\charrsid13270854 $}{\f0\fs24\insrsid2191582  }{\f0\fs24\insrsid2191582\charrsid13270854 500.00}{\f0\fs24\insrsid2191582 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow0\irowband0
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2628\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx3960\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Boring machine}{\f0\fs24\insrsid2191582 \cell }{
\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid2191582\charrsid13270854 $}{\f0\fs24\insrsid2191582  }{\f0\fs24\insrsid2191582\charrsid13270854 200.00}{\f0\fs24\insrsid2191582 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow1\irowband1
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2628\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx3960\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Office desk}{\f0\fs24\insrsid2191582 \cell }{
\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid2191582\charrsid13270854 $}{\f0\fs24\insrsid2191582  }{\f0\fs24\insrsid2191582\charrsid13270854 400.00}{\f0\fs24\insrsid2191582 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow2\irowband2
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2628\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx3960\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Sofa}{\f0\fs24\insrsid2191582 \cell }{
\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid2191582\charrsid13270854 $}{\f0\fs24\insrsid2191582  }{\f0\fs24\insrsid2191582\charrsid13270854 200.00}{\f0\fs24\insrsid2191582 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow3\irowband3
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2628\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx3960\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Reception Desk}{\f0\fs24\insrsid2191582 \cell }{
\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid2191582\charrsid13270854 $}{\f0\fs24\insrsid2191582  }{\f0\fs24\insrsid2191582\charrsid13270854 200.00}{\f0\fs24\insrsid2191582 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow4\irowband4
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2628\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx3960\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Doors}{\f0\fs24\insrsid2191582 \cell }{
\f0\fs24\insrsid2191582 : }{\f0\fs24\insrsid2191582\charrsid13270854 $}{\f0\fs24\insrsid2191582  }{\f0\fs24\insrsid2191582\charrsid13270854 400.00}{\f0\fs24\insrsid2191582 \cell }\pard\plain 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow5\irowband5
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2628\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx3960\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582\charrsid13270854 Various Hand tools}{\f0\fs24\insrsid2191582 \cell }{
\f0\fs24\ul\insrsid2191582 : }{\f0\fs24\ul\insrsid2191582\charrsid13270854 $6,000.00}{\f0\fs24\insrsid2191582 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow6\irowband6
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2628\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx3960\row }\pard\plain 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid2191582\yts59 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \cell }{\f0\fs24\insrsid2191582\charrsid13270854 $7,900.00\~}{
\f0\fs24\insrsid2191582 \cell }\pard\plain \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid2191582 \trowd \irow7\irowband7\lastrow 
\ts59\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2191582\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2628\clshdrawnil \cellx2520\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx3960\row }\pard 
\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2191582 {\f0\fs24\insrsid2191582 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [122]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I find that the sum claimed is reasonable and accordingly award same. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par Summary under this heading:}{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\trowd \irow0\irowband0\ts11\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778\tbllkhdrrows\tbllkhdrcols \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth648\clshdrawnil \cellx1260\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2070\clshdrawnil \cellx5310\pard 
\ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 \cell Claim \cell Award sum\cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {
\f0\fs24\insrsid13270854\charrsid13270854 \trowd \irow0\irowband0\ts11\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv
\brdrs\brdrw10\brdrcf1 \trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778\tbllkhdrrows\tbllkhdrcols \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb
\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth648\clshdrawnil \cellx1260\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2070\clshdrawnil \cellx5310\row 
}\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 1.\cell }{\f0\fs24\insrsid13270854\charrsid13270854 Grey Project Designs\cell }{\f0\fs24\insrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 $}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 28,000.00\cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\f0\fs24\insrsid13270854\charrsid13270854 
\trowd \irow1\irowband1\ts11\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778\tbllkhdrrows\tbllkhdrcols \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth648\clshdrawnil \cellx1260\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2070\clshdrawnil \cellx5310\row 
}\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 2.\cell Popular Furniture\cell }{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 $ 21, 
262.50\cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\f0\fs24\insrsid13270854\charrsid13270854 \trowd \irow2\irowband2\ts11\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb
\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778\tbllkhdrrows\tbllkhdrcols \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth648\clshdrawnil \cellx1260\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2070\clshdrawnil \cellx5310\row 
}\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 3.\cell Pure Blue\cell }{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 NIL\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\f0\fs24\insrsid13270854\charrsid13270854 \trowd \irow3\irowband3\ts11\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb
\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778\tbllkhdrrows\tbllkhdrcols \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth648\clshdrawnil \cellx1260\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2070\clshdrawnil \cellx5310\row 
}\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 4.\cell Kingsew International\cell }{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 $}{
\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 5,400.00\cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\f0\fs24\insrsid13270854\charrsid13270854 \trowd \irow4\irowband4
\ts11\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778\tbllkhdrrows\tbllkhdrcols \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth648\clshdrawnil \cellx1260\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2070\clshdrawnil \cellx5310\row 
}\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 5.\cell Hand tools & Other\cell }{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 $}{
\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 2,880.00\cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\f0\fs24\insrsid13270854\charrsid13270854 \trowd \irow5\irowband5
\ts11\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778\tbllkhdrrows\tbllkhdrcols \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth648\clshdrawnil \cellx1260\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2070\clshdrawnil \cellx5310\row 
}\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 6.\cell }{\f0\fs24\insrsid13270854\charrsid13270854 Office Equipment & Other\~\~\~\~\~\~\~\~\~\~}{
\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 \cell }{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 $}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 7,900.00\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\f0\fs24\insrsid13270854\charrsid13270854 \trowd \irow6\irowband6\ts11\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb
\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778\tbllkhdrrows\tbllkhdrcols \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth648\clshdrawnil \cellx1260\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2070\clshdrawnil \cellx5310\row 
}\pard \ql \li0\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 \cell }{\b\f0\fs24\insrsid13270854\charrsid13270854 Total \cell }{\b\f0\fs24\insrsid13270854\charrsid13270854 $
 65,442.50 \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\f0\fs24\insrsid13270854\charrsid13270854 \trowd \irow7\irowband7\lastrow \ts11\trgaph108\trleft612\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl
\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2231778\tbllkhdrrows\tbllkhdrcols \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth648\clshdrawnil \cellx1260\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth1980\clshdrawnil \cellx3240\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2070\clshdrawnil \cellx5310\row 
}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [123]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Accordingly, I award a total sum of $}{\b\f0\fs24\insrsid13270854\charrsid13270854 65,442.50 }{\f0\fs24\insrsid13270854\charrsid13270854 under fire policy number }{\f0\fs24\insrsid13270854\charrsid13270854 
922626-1111-000679 for Furniture manufacturing Equipment and other equipment.}{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par COUNTER CLAIM }{\b\f0\fs24\insrsid13270854 
\par }{\b\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [124]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 I have dismissed all the defences of the defendant. In the circumstances I do not see any merit in the counter claim and accordingly dismiss the counter claim.}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\f0\fs24\insrsid13270854\charrsid13270854 GENERAL DAMAGES }{\b\f0\fs24\insrsid13270854 
\par }{\b\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [125]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 As alleged in paragraph 27 of the amended statement of claim, the plaintiff claimed a sum of $800,000.00 from 16 November 2002 up to the date of the amended statement of claim as damages.}{
\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [126]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The defendant must swiftly make a decision on the policy. In the instant case,
 it took over one and a half years to decline the policy. The time taken is unreasonable and a clear breach of an implied term of the insurance policy. I have also dealt in details the obligation of the insurer to deal swiftly in }{
\b\i\f0\fs24\insrsid13270854\charrsid13270854 G.P. Reddy & Company Ltd v New India Assurance Company Ltd }{\b\f0\fs24\insrsid13270854\charrsid13270854 (Supra)}{\f0\fs24\insrsid13270854\charrsid16000158 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [127]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Mr Makki in his evidence said that the business has not operated profitably since the fire due to the non-payment of the insurance claim.}{\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [128]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 The plaintiff in its final written submissions filed on 2 December 2011, submits that the only evidence led by the plaintiff to prove its loss of $800,
 000.00 is the profit and loss account attached to Exhibit A document nos. 86 to 89, the Accounts for 1998 to 2001.
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [129]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
The plaintiff contends that on the basis of this evidence the court could extrapolate the loss claimed by simply multiplying the average profit shown in the Accounts for the years represented in the Accounts by
 discounting the item of Directors fees for the years 1998 to 2001 (inclusive) and add these amounts and divide it by 4 to obtain an average profit for those four years which on the plaintiff}{\f0\fs24\insrsid13270854 '}{
\f0\fs24\insrsid13270854\charrsid13270854 s calculations comes to an amount of approximately $12,850.00. The plaintiff also states that when this amount is multiplied by the period since the fire, (9 years)
, the loss suffered by the plaintiff is about $116,000.00. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [130]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 In }{\b\i\f0\fs24\insrsid13270854\charrsid13270854 Gwam Investments Pty Ltd v Outback Health Screenings Pty Ltd}{\f0\fs24\insrsid13270854\charrsid13270854  }{
\f0\fs24\insrsid13270854\charrsid13270854 [2010] SASC 37 (25 February 2010, Supreme Court of South Australia, Gray, White and Kelly JJ), outlined the basic objectives of awarding damages where Gary J stated (approved by White and Kelly JJ):}{
\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\f0\fs24\insrsid16000158\charrsid13270854 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid16000158 {\f0\fs24\insrsid13270854 "}{\i\f0\fs24\insrsid13270854\charrsid13270854 56 The object of an award of damages is to provide a plaintiff with compensation for t
he damage and loss sustained. Lord Blackburn in Livingstone v Rawyards Coal Co{\*\bkmkstart FN\'3bBFN.19}{\*\bkmkend FN\'3bBFN.19} ..
defined the measure of damages as "that sum of money which will put the party who has been injured, or who has suffered, in the same position as he would have been in if he ha
d not sustained the wrong for which he is now getting his compensation or reparation". This rule has governed the assessment of damages in both tort and contract.}{\i\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid16000158\charrsid13270854 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid16000158 {\i\f0\fs24\insrsid13270854\charrsid13270854 57 When considering an assessment of damages, it is also important to bear in mind the words 
of McMillan LJ in Banco de Portugal v Waterlow & Sons Ltd: {\*\bkmkstart SDU_49}{\*\bkmkstart FN\'3bBFN.20}{\*\bkmkend SDU_49}{\*\bkmkend FN\'3bBFN.20}..}{\i\f0\fs24\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid16000158 {\i\f0\fs24\insrsid16000158\charrsid13270854 
\par }\pard \ql \li720\ri0\nowidctlpar\faauto\rin0\lin720\itap0\pararsid16000158 {\i\f0\fs24\insrsid13270854\charrsid13270854 
"Where the sufferer from a breach of contract finds himself in consequence of that breach placed in a position of embarrassment the measures which he may be driven to adopt in order to extricate
 himself ought not to be weighed in nice scales at the instance of the party whose breach of contract has occasioned the difficulty. It is often easy after an emergency has passed to criticize the steps which have been taken to meet it, but such criticism
 
does not come well from those who have themselves created the emergency. The law is satisfied if the party placed in a difficult situation by reason of the breach of a duty owed to him has acted reasonably in the adoption of remedial measures, and he will
 not be held disentitled to recover the cost of such measures merely because the party in breach can suggest that other measures less burdensome to him might have been taken."}{\i\f0\fs24\insrsid16000158 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\s57 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [131]\tab}}\pard\plain \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs24\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\insrsid13270854\charrsid13270854 The plaintiff did not reconstruct the accounts for the 6 months period from 6 May 2002 to 16 November 2002. On an examination of the 
accounts since 1998, there appears to be a steady increase of the profits until 2001. I find that in 2001, the plaintiff had suffered a downturn in its profits; a year before the first fire occurred. As explained by the plaintiff the coup in 2000 could be
 the most significant factor for the reduction of profits seen in 2001. The plaintiff}{\insrsid13270854 '}{\insrsid13270854\charrsid13270854 s business like many others would have suffered due to the 2000 coup and I could not ignore that fact. }{
\insrsid13270854 
\par }\pard \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\insrsid16000158\charrsid13270854 
\par {\listtext\pard\plain\s57 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [132]\tab}}\pard \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\insrsid13270854\charrsid13270854 However as said earlier the purpose of damages is to put the plaintiff in the same position it would have been before the fire. The effects of the coup would have lasted for several years before the plaintiff 
made its venture profitable if not for the second fire. I would consider 3 years as a reasonable period for the plaintiff to have overcome the effect of the coup i.e by 2003. Mr Makki informed court that he sold the business in 2006.}{\insrsid13270854  }{
\insrsid13270854\charrsid13270854 I see no justification for considering damages for loss after 2006.}{\insrsid13270854  }{\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s57 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [133]\tab}}\pard\plain \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs24\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\insrsid13270854\charrsid13270854 As submitted
 by Mr Lowing I am willing to extrapolate the loss claimed by simply multiplying the average profit shown in the Accounts. However doing so I would consider the profit at an average of $6000.00 p.a. If the multiplication method is so used 
the plaintiff should be entitled to $24,000.00 (for 4 years) as damages.}{\insrsid13270854  }{\insrsid13270854\charrsid13270854 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 INTEREST 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [134]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Mr Narayan in his final submissions provided in detail the law relating to payment of interest under the Insurance Law Reform Act 1996. 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [135]\tab}}\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\f0\fs24\insrsid13270854\charrsid13270854 Section 34 of the Insurance Law Reform Act 1996, which deals with interest stipulates as follows:
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\i\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\i\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls23\adjustright\rin0\lin720\itap0\pararsid16000158 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\i\f0\fs24\insrsid13270854\charrsid13270854 
Where an insurer is liable to pay to a person an amount under a contract of insurance or under this Act in relation to a contract of insurance, the insurer is also liable to pay interest on the amount to that person in accordance with this Section.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s50\ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16000158 \fs24\lang3081\langfe3081\cgrid\langnp3081\langfenp3081 {\i\lang2057\langfe3081\langnp2057\insrsid13270854  }{
\i\lang2057\langfe3081\langnp2057\insrsid13270854\charrsid13270854 (2)}{\i\lang2057\langfe3081\langnp2057\insrsid13270854  }{\i\lang2057\langfe3081\langnp2057\insrsid13270854\charrsid13270854 
The period in respect of which interest is payable is the period commencing on the day as from which it was unreasonable for the insurer to have withheld payment of the amount and ending on whichever is earlier of the following days:}{
\i\lang2057\langfe3081\langnp2057\insrsid13270854 
\par }\pard \s50\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\lang2057\langfe3081\langnp2057\insrsid16000158\charrsid13270854 
\par }\pard\plain \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid16000158 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854\charrsid13270854 (a)}{
\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854\charrsid13270854  the day on which the payment is made;}{\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid16000158\charrsid13270854 
\par }\pard \ql \li1440\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid16000158 {\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854\charrsid13270854 (b)}{
\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854\charrsid13270854  the day on which the payment is sent by post to the person to whom}{\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854  }{
\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854\charrsid13270854 it is payable.}{\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854 
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid16000158\charrsid13270854 
\par }\pard \ql \li720\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16000158 {\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854\charrsid13270854  (3)}{\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854  }{
\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854\charrsid13270854 The rate at which interest is payable in respect of a day included in the period referred to in sub-section (2) is the rate that is prescribed by regulation.
\par }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\i\f0\fs24\lang2057\langfe3081\langfenp3081\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s57 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [136]\tab}}\pard\plain \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs24\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\insrsid13270854\charrsid13270854 The Insurance Law Reform (Interest Rate) Regulations 2004 under regulation 2(1) currently prescribes the rate as 10% p.a. 
\par }\pard \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s57 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [137]\tab}}\pard \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 {
\insrsid13270854\charrsid13270854 I have already concluded that both McLarens and GAB Robinson should have completed its investigations by March 2003. In the circumstances, I award interest at 10% from the March 2003 to the date of judgement. 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\b\f0\fs24\insrsid13270854  }{\b\f0\fs24\insrsid13270854\charrsid13270854 COSTS }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard\plain \s28\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 
\par {\listtext\pard\plain\s57 \lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [138]\tab}}\pard\plain \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\fs24\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\insrsid13270854\charrsid13270854 The trial lasted two days and the parties filed three sets of written submissions and made oral submissions
. Given the highly contested nature of this litigation and the extensive advocacy efforts of counsel, I summarily asses cost at $5,500.00. 
\par }\pard \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 {\b\insrsid13270854\charrsid13270854 
\par CONCLUSION
\par 
\par {\listtext\pard\plain\lang2057\langfe1033\langnp2057\insrsid13270854\charrsid13270854 \hich\af0\dbch\af0\loch\f0 [139]\tab}}\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin0\itap0\pararsid13270854 
\f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\f0\fs24\insrsid13270854\charrsid13270854 I have already awarded with reasons that the plaintiff is entitled to }{\b\f0\fs24\insrsid13270854\charrsid13270854 $150,969.79}{
\f0\fs24\insrsid13270854\charrsid13270854  under insurance policy number }{\i\f0\fs24\insrsid13270854\charrsid13270854 922626-1111-011289 }{\f0\fs24\insrsid13270854\charrsid13270854 for the building and }{\b\f0\fs24\insrsid13270854\charrsid13270854 
$90,813.00}{\f0\fs24\insrsid13270854\charrsid13270854  under insurance policy number }{\i\f0\fs24\insrsid13270854\charrsid13270854 922626-1111-011289 }{\f0\fs24\insrsid13270854\charrsid13270854 for the finished and in process furniture and fabric. I also
 awarded}{\f0\fs24\insrsid13270854  }{\f0\fs24\insrsid13270854\charrsid13270854 $}{\b\f0\fs24\insrsid13270854\charrsid13270854 65,442.50 }{\f0\fs24\insrsid13270854\charrsid13270854 under fire policy number 922626-1111-000679 for Furniture M
anufacturing Equipment and other equipment. Accordingly the plaintiff is entitled to a sum of }{\b\f0\fs24\insrsid13270854\charrsid13270854 $307,225.29}{\f0\fs24\insrsid13270854\charrsid13270854  in total under the two insurance policies. In addition I
 have also awarded $24,000.00 and interest at 10% and costs which I have summarily assessed as $5,500. 
\par }\pard\plain \s57\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \fs24\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\insrsid13270854\charrsid13270854 
\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13270854 \f36\fs22\lang2057\langfe1033\cgrid\langnp2057\langfenp1033 {\b\f0\fs24\insrsid13270854\charrsid13270854 ORDERS}{
\f0\fs24\insrsid13270854\charrsid13270854  
\par }{\f0\fs24\insrsid16000158 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 1. Judgment entered in favour of the plaintiff. }{\f0\fs24\insrsid16000158 
\par 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 2. The defendant to pay the plaintiff $307,225.29 under insurance policies}{\i\f0\fs24\insrsid13270854\charrsid13270854 922626-1111-011289 and }{\f0\fs24\insrsid13270854\charrsid13270854 922626-1111-000679. }{
\f0\fs24\insrsid16000158 
\par 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 3. The defendant to pay the plaintiff $ 24,000.00 as damages. }{\f0\fs24\insrsid16000158 
\par 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 4. The defendant to pay the plaintiff interest on $ 307,225.29 at 10% p.a. from 1 March 2003 to the date of judgment. }{\f0\fs24\insrsid16000158 
\par 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 5. The defendant to pay the plaintiff $5,500.00 as Costs. }{\f0\fs24\insrsid16000158 
\par 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 8. All above monies to be paid by the plaintiff within 30 days hereof. }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }{\f0\fs24\insrsid13270854\charrsid13270854 
\par }\pard \qc \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16000158 {\b\f0\fs24\insrsid13270854\charrsid13270854 D Dias Wickramasinghe}{\b\f0\fs24\insrsid16000158 
\par }{\b\f0\fs24\insrsid13270854\charrsid13270854 Judge
\par }}