The Bombay High Court ruled that an insurance company cannot deny a flood claim due to its own negligence in handling a premium cheque. The court dismissed a petition by New India Assurance, upholding consumer forum orders to honor a claim from the 2005 Mumbai deluge. The insurer had attempted to repudiate the claim, citing a dishonored cheque, but the court found operational lapses by the company, not the policyholder, were responsible for the issue.