and Hotels Pvt. Ltd.,8 this court has held that the surveyor’s report is a credible evidence and the court may rely on it until a more reliable evidence is brought on record. In the present case, the surveyor’s report was the evidence tendered by the insurance company, and it has not been treated as unreliable by the NCDRC. 24. Mr. Naidu, appearing on behalf of the respondents, commenced his submission by referring to certain portions of the judgment of this court in Texco (supra) to emphasise that exclusionary clauses place extraordinary burden on the insurance company. We have already answered this question by referring to the evidence adduced by the appellant, which we consider to be a sufficient discharge of the burden. On the Expert Committee’s 7 (2021) SCC Online SC 628. 8 2023 SCC OnLine SC 648. 22report, Mr. Naidu has re-iterated the finding of the NCDRC that it is inconclusive apart from being a mere opinion. Even this submission stands answered by extracting specific and