All appeals by the defendants are dismissed.

The costs of appeal shall be borne by the Defendants.

the purport of the claim and the appeal.

Basic Facts

A. (1) The Plaintiff: (a) entered into a M insurance contract with the FF that operates the “E” in Ilyang-gu, Ilyang-gu; (b) with respect to the E G Dong, H Dong, Dong, and I building from May 26, 2016 to May 26, 2021; and (c) with respect to the insured amount as KRW 150,00,000,000; and (b) with respect to the building in the K G Dong, H Dong, and I, with the insurance period as to the building in the J’s operation, from January 21, 2013 to January 21, 2023, the insured amount as KRW 223,00,000.

(2) Defendant B Co., Ltd. (hereinafter “Defendant Company”) concluded a P insurance contract with Defendant C, who operates a plastic-type factory called “O” (hereinafter “instant factory”) from N, with the insurance period fixed from January 31, 2018 to January 31, 2022, to pay KRW 100,000,000 per accident in the event of losses incurred by a fire that occurred in the instant factory due to the burden of statutory liability for the property of another person.

B. On February 13, 2018, around 16:10, at the instant factory building, a fire was caused due to an unforeseen cause in the place presumed to be the left-hand branch of the instant building (hereinafter “instant fire”), among the four Dongs of the instant factory building, and the damage was caused by the fire to the neighboring E and K factories, etc. (hereinafter “damageed building”).

(c)

The insurance amount of insurance coverage and the insurance value of the subject-matter of payment of insurance money is the amount calculated by subtracting the value of the remainder from the net damages.

The payment of insurance proceeds shall be 31,102,578, 448, 718, 82, 89, 917, 41, 530, 6270, 41,530, 6274, 478, 475, 475, 6340, 397, 787, 6347, 63630, 903636, 8928, 618, 630, 630, 648, 630, 647, 2748, 279, 630, 630, 647, 2748, 975, 2747, 2798, 97, 2757, 97, 2784, 297, 2797, 286, 2886,