1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

1. Basic facts

가. 원고는 충남 아산시 C 소재 조립식 철골조 샌드위치판넬 전체 1동 지상 2층 지하층[철골조(경량철골조) 철골트러스상부 철판판넬즙(샌드위치판넬 포함) 벽돌조] 건물(이하 ‘이 사건 건물’이라 한다)의 소유자이다.

B. On October 10, 2014, the Plaintiff entered into the instant insurance contract with the Defendant (hereinafter “D”) with the following content, starting from October 10, 2014 to October 10, 2019, regarding the insurance period of the instant building. Under the instant insurance contract, the Plaintiff entered into the instant insurance contract with the Defendant as “excluding a tent and a subject matter of expropriation” as an additional note on the subject matter of property damage security under the instant insurance contract.

In the event of loss or escape damage caused by a fire (general, loss compensation in factory buildings), the payment period and maturity guarantee amount of the items covered by the security property 800,000,000,000 30,000,000,000 20,000 20,000,000 for the interior facilities of the building or semi-finished machinery-finished machinery storage equipment: 10,000,000 for the first five-year payment period (general, loss compensation in factory buildings), and the amount of loss caused by a fire, the expenses for the removal of the remainder in the site of the fire at the time of the fire, the cleaning expenses (including the expenses for removal of pollutants) and the expenses loaded within 10% of the amount of damage, shall be 30,00,000,000,000 won per person, and the amount of loss compensation per person shall be limited to 100,000,000 won per person per loss due to a fire or explosion caused by an accident.

C. Of the terms and conditions of the instant insurance contract, Article 1 of the part that guarantees liability for fire damages (hereinafter “instant special terms and conditions”) provides that the insured is a body of another person (excluding physical auxiliary equipment, such as trees, artificial arms, agendas, and clothing) or property due to a fire or explosion that occurred for the insurance purpose stipulated in the insurance policy during the insurance period.