Case Synopsis 

Food Court The Company Garden Society v. Universal Sompo General Insurance Co. Ltd., (2025) INSC 1495

Synopsis: The Supreme Court ruled in favour of a policyholder, holding that heavy snowfall constitutes a "storm" under a standard insurance policy. It curtailed the insurer's ability to repudiate claims by disallowing new defense grounds raised at appellate stages and interpreting "reasonable care" clauses contextually, not as a mandate for impossible preventive actions during active natural calamities.

1. Heading of the Judgment
Food Court The Company Garden Society v. Universal Sompo General Insurance Co. Ltd. & Ors., (2025) INSC 1495 (Supreme Court of India, decided on November 18, 2025). Judges: Hon'ble Mr. Justice J.K. Maheshwari and Hon'ble Mr. Justice Vijay Bishnoi.

2. Related Laws and Sections

• The Consumer Protection Act (implicitly, as the case originated from Consumer Fora).

• Principles of Contract Law and Insurance Law.

• Interpretation

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