1. The Defendant’s KRW 11,631,098 with respect to the Plaintiff and KRW 5% per annum from April 7, 2017 to June 28, 2018, and the next day.

1. Basic facts

A. The Plaintiff concluded an insurance contract with A with the following content (hereinafter “instant insurance contract”).

Insurance types: Policyholders and owners of fire liability insurance without dividends: The insurance period of the A: from June 26, 2014 to June 26, 2029: The location of the object: Kimhae-si B: the amount of insurance coverage for the building and the household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household household.

B. Of the subject matter of the instant insurance, the building (hereinafter “instant building”) was remodeled in the studio form so that eight households can live alone, and the Defendant leased from A on October 6, 2016, 103 of the instant building (hereinafter “instant leased”) to use it as the workers’ lodging place.

C. On January 9, 2017, at around 04:40, the entire building of this case was destroyed by fire on the wind that the fire occurred and then moved back to the next place after the fire occurred.

(hereinafter “instant fire accident”). D.

At the time of the instant lease, C employees of the Defendant Company who lived in the leased part of the instant case : “The next month following that: (a) the police investigation conducted on January 8, 2017 after drinking friendships; and (b) the next month.

9. At around 04:40, a fire was reported because it could not be towed, even though she was able to see that she was frighting in a room and she was frighting down.

E. In light of the results of the investigation of the instant fire accident, the Gimnam Police Station stated that “The possibility of a fire was caused by negligence, such as smoking tobacco, in the instant fire accident, cannot be ruled out. However, there was no evidence to prove it, such as the surrounding CCTV and witness, and that there was no doubt that the victim did not engage in any conduct that would be a usual problem, and that there was no suspicion that C would not engage in any conduct that would be a usual problem. Although the fire was not a cause, it cannot be ruled out that the possibility of a fire was caused by the electric installation inside the studio, there was no suspicion of a fire-related crime.

“.......”