1. The Defendant’s KRW 38,861,434 as well as the Plaintiff’s annual rate of 5% from August 25, 2018 to January 14, 2020, and the following.

1. Basic facts

A. On July 25, 2017, the Plaintiff entered into a housing fire insurance contract (hereinafter “instant housing fire insurance contract”) with respect to the buildings and appurtenant facilities, household tools, and house fixtures in the complex of C apartment in the Si/Gun/Gu (hereinafter “instant apartment”) as the owner of each household, and with respect to the housing fire insurance contract with the insurance period from July 31, 2017 to July 31, 2018 (hereinafter “instant housing fire insurance contract”).

B. On September 20, 2012, the Defendant entered into a lease deposit agreement with respect to E and the Fdong G of the instant apartment, and occupied and used the apartment upon delivery. The lessee is the lessee who occupied and used the apartment upon delivery.

C. On May 16, 2018, the Defendant, among the wards located in Fdong G of the instant apartment building Fdong on May 23:33, 2018, she was on the left-hand side of the wall of the unit, she heard a fire alarm sound, and she was on board the clothes of the unit, which are below the lower part of the unit.

The defendant and son did not have a fire extinguishing machine on the corridor, etc., leading the head of the elevator to the inside fire hydrant, and caused the fire, but failed, and caused the fire by taking water from the toilet together with the defendant's wife, but failed, but the defendant dested the smoke in this process and sent the image after drinking it.

E. When the arrival of a fire brigade at the mountain center arrives at the site, the fire brigade was in the state of combustion as a whole at the small room, and the small room was being expanded to the dwelling room at the small room.

F. As a result of the fire brigade’s fire inspection, the left-hand surface of the fire brigade found out of electric wires at a point of 40 cm above the end of the 4th electric mnoid, and the fire concentrating on the left-hand surface where the garments are located and fire concentrating on the upper-hand side of the wall where the fire shields are located, and the cause of combustion was determined by considering the outlines of the legal assessment of the National Institute of Scientific Investigation and Investigation, as a whole, by the presumption of electrical factors (tension by pressure or damage).

G. The inside of the instant house was severely damaged due to the instant fire.