not get insurances claim

Location/place: ulhasnagar

Name of company/service: m.k. grain merchants

dear sir
we have business of grain merchant. we have insured goods amounting rs 36lacs .new oriental insurances kalyan have paid regular premium through punjab national bank .our claim is around 10to11lacs only . surveyors visit the site companys officer is also visit site but now they are telling we are not under the insurance clause . but there is an genuine loss . every one has seen . bank officer’s and insurance officer also please help as
thanking you
m.k. grain merchant


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