<p class="p1">안녕하세요<span class="s1">, </span>주거형<span class="s1"> </span>오피스텔<span class="s1"> </span>화재<span class="s1"> </span>후<span class="s1"> </span>관리업체의<span class="s1"> </span>보험처리<span class="s1"> </span>관련한<span class="s1"> </span>질문을<span class="s1"> </span>드리려<span class="s1"> </span>합니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">저는<span class="s1"> </span>인천<span class="s1"> </span>남구의<span class="s1"> </span>지상<span class="s1"> 15</span>층<span class="s1"> </span>지하<span class="s1"> 1</span>층<span class="s1"> </span>규모의<span class="s1"> </span>주거형<span class="s1"> </span>오피스텔에<span class="s1"> </span>거주하고<span class="s1"> </span>있습니다<span class="s1">. </span>건물<span class="s1"> </span>입구는<span class="s1"> </span>지하<span class="s1">1</span>층이고<span class="s1"> </span>기계식<span class="s1"> </span>주차장이<span class="s1"> 15</span>층까지<span class="s1"> </span>존재하구요<span class="s1">. </span>층마다<span class="s1"> </span>세대수는<span class="s1"> 3</span>세대<span class="s1"> </span>입니다<span class="s1">. </span>저는<span class="s1"> 13</span>층에<span class="s1"> </span>거주하고<span class="s1"> </span>있으며<span class="s1"> </span>세입자<span class="s1"> </span>입니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1"><span class="s1">1, 2</span>층은<span class="s1"> </span>확실하지는<span class="s1"> </span>않지만<span class="s1"> </span>사무실<span class="s1"> </span>등으로<span class="s1"> </span>사용되어지는<span class="s1"> </span>것<span class="s1"> </span>같고<span class="s1"> 3</span>층<span class="s1"> </span>이상부터는<span class="s1"> </span>모두<span class="s1"> </span>주거형<span class="s1"> </span>으로<span class="s1"> </span>알고<span class="s1"> </span>있습니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">지난<span class="s1"> 8</span>월<span class="s1"> 14</span>일<span class="s1">(</span>일<span class="s1">) </span>오후<span class="s1"> 9</span>시<span class="s1"> 25</span>분<span class="s1"> </span>경<span class="s1">, </span>저녁<span class="s1"> </span>음식<span class="s1"> </span>준비중<span class="s1"> </span>가스렌지의<span class="s1"> </span>불꽃이<span class="s1"> </span>후드의<span class="s1"> </span>기름때로<span class="s1"> </span>옮겨붙어<span class="s1"> </span>화재가<span class="s1"> </span>발생했습니다<span class="s1">. 9</span>시<span class="s1"> 28</span>분에<span class="s1"> 119 </span>신고를<span class="s1"> </span>하였고<span class="s1"> 9</span>시<span class="s1"> 34</span>분에<span class="s1"> 119 </span>사고접수가<span class="s1"> </span>되었다는<span class="s1"> </span>문자를<span class="s1"> </span>수신하였습니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">화재<span class="s1"> </span>발생<span class="s1"> </span>후<span class="s1"> 119</span>의<span class="s1"> </span>지시로<span class="s1"> </span>비상벨을<span class="s1"> </span>눌렀고<span class="s1"> </span>제<span class="s1"> </span>아내가<span class="s1"> </span>층을<span class="s1"> </span>내려가며<span class="s1"> </span>입주민들의<span class="s1"> </span>대피를<span class="s1"> </span>유도하였고<span class="s1"> </span>그<span class="s1"> </span>사이<span class="s1"> </span>불은<span class="s1"> </span>후드를<span class="s1"> </span>따라<span class="s1"> </span>주방천정으로<span class="s1"> </span>옮겨붙어<span class="s1"> </span>거실<span class="s1"> </span>벽면까지<span class="s1"> </span>번졌습니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">그러던<span class="s1"> </span>중<span class="s1"> 6</span>층에<span class="s1"> </span>위치한<span class="s1"> </span>소화기를<span class="s1"> </span>아내가<span class="s1"> </span>발견하고<span class="s1"> </span>그것을<span class="s1"> </span>들고<span class="s1"> </span>계단으로<span class="s1"> </span>불이난<span class="s1"> </span>저희집<span class="s1"> 13</span>층으로<span class="s1"> </span>이동하던<span class="s1"> </span>중<span class="s1">, 15</span>층에<span class="s1"> </span>거주하시는<span class="s1"> </span>다른<span class="s1"> </span>남자<span class="s1"> </span>입주민께서<span class="s1"> </span>소화기를<span class="s1"> </span>건내받아<span class="s1"> </span>소화기로<span class="s1"> </span>화재를<span class="s1"> </span>진압하였으며<span class="s1">, </span>화재<span class="s1"> </span>진압<span class="s1"> </span>후<span class="s1"> </span>수분내<span class="s1"> </span>소방차와<span class="s1"> </span>소방관<span class="s1"> </span>분들께서<span class="s1"> </span>도착하셨습니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">인명피해는<span class="s1"> </span>없었고<span class="s1">, </span>물적피해는<span class="s1"> </span>주방<span class="s1"> </span>싱크대와<span class="s1"> </span>천정<span class="s1">, </span>천정에<span class="s1"> </span>위치한<span class="s1"> </span>윗층집의<span class="s1"> </span>싱크대<span class="s1"> </span>하수관<span class="s1"> </span>녹아내림<span class="s1">, </span>도시가스관<span class="s1"> </span>녹아내림<span class="s1"> </span>등이며<span class="s1"> </span>소화기<span class="s1"> </span>분말이<span class="s1"> </span>집안에<span class="s1"> </span>뿌려진<span class="s1"> </span>부분<span class="s1"> </span>등<span class="s1"> </span>입니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">이번<span class="s1"> </span>화재의<span class="s1"> </span>피해금액은<span class="s1"> 300~400</span>여만원<span class="s1"> </span>정도이며<span class="s1"> </span>현재<span class="s1"> </span>집은<span class="s1"> </span>자가로<span class="s1"> </span>수리중입니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p2"><br></p> <p class="p1">제가<span class="s1"> </span>거주하는<span class="s1"> </span>건물관리는<span class="s1"> </span>인천의<span class="s1"> </span>한<span class="s1"> </span>위탁업체가<span class="s1"> </span>진행하고<span class="s1"> </span>있으며<span class="s1">, </span>화재<span class="s1"> </span>후<span class="s1"> </span>소방관분들이<span class="s1"> </span>보험가입<span class="s1"> </span>여부를<span class="s1"> </span>물으셔서<span class="s1"> </span>관리비에<span class="s1"> </span>화재보험<span class="s1"> </span>명목으로<span class="s1"> </span>부과되는<span class="s1"> </span>항목이<span class="s1"> </span>있는것을<span class="s1"> </span>확인하였습니다<span class="s1">. </span>보험료는<span class="s1"> </span>매달<span class="s1"> 400</span>원씩<span class="s1"> </span>부과되고<span class="s1"> </span>있구요<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">이에<span class="s1"> </span>해당<span class="s1"> </span>관리업체에<span class="s1"> </span>이번<span class="s1"> </span>사고에<span class="s1"> </span>대한<span class="s1"> </span>보험처리가능여부를<span class="s1"> </span>문의해보니<span class="s1"> </span>공용으로<span class="s1"> </span>관리되는<span class="s1"> </span>부분<span class="s1">, </span>즉<span class="s1"> </span>옥상<span class="s1">, </span>복도<span class="s1">, </span>계단<span class="s1"> </span>등에<span class="s1"> </span>대한<span class="s1"> </span>피해만<span class="s1"> </span>가능하다는<span class="s1"> </span>답변을<span class="s1"> </span>받았습니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">저희는<span class="s1"> </span>일단<span class="s1"> 26</span>개월인<span class="s1"> </span>아기가<span class="s1"> </span>있는<span class="s1"> </span>관계로<span class="s1"> </span>집<span class="s1"> </span>수리를<span class="s1"> </span>자가로<span class="s1"> </span>진행하기로<span class="s1"> </span>하여<span class="s1"> </span>내일<span class="s1"> </span>정도면<span class="s1"> </span>다시<span class="s1"> </span>집에<span class="s1"> </span>들어갈<span class="s1"> </span>수<span class="s1"> </span>있는<span class="s1"> </span>상태입니다<span class="s1">. </span>그러던<span class="s1"> </span>중<span class="s1"> </span>지금<span class="s1"> </span>집에<span class="s1"> </span>입주할때<span class="s1"> </span>관계하신<span class="s1"> </span>부동산<span class="s1"> </span>사장님께서<span class="s1"> </span>보험처리<span class="s1"> </span>가능여부를<span class="s1"> </span>저희한테<span class="s1"> </span>물으셔서<span class="s1"> </span>위에<span class="s1"> </span>적은대로<span class="s1"> </span>공용부분에<span class="s1"> </span>대한<span class="s1"> </span>보험처리만<span class="s1"> </span>가능하다는<span class="s1"> </span>답변을<span class="s1"> </span>받았다<span class="s1"> </span>하니<span class="s1"> </span>그정도<span class="s1"> </span>금액을<span class="s1"> </span>납부하고<span class="s1"> </span>있으면<span class="s1"> </span>공용부분에<span class="s1"> </span>대한<span class="s1"> </span>보험처리만<span class="s1"> </span>되는건<span class="s1"> </span>아닌것<span class="s1"> </span>같다며<span class="s1">, </span>해당<span class="s1"> </span>보험의<span class="s1"> </span>보장범위에<span class="s1"> </span>대한<span class="s1"> </span>부분의<span class="s1"> </span>서류를<span class="s1"> </span>관리업체에<span class="s1"> </span>요청하라고<span class="s1"> </span>조언을<span class="s1"> </span>주셨습니다<span class="s1">. </span>저<span class="s1"> </span>개인의<span class="s1"> </span>화재보험은<span class="s1"> </span>없는<span class="s1"> </span>상태입니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">이에<span class="s1"> </span>해당<span class="s1"> </span>관리업체에<span class="s1"> </span>관련서류를<span class="s1"> </span>요청을<span class="s1"> </span>하였으나</p> <p class="p2"><br></p> <p class="p1"><span class="s1">1</span>차로<span class="s1"> </span>보험사는<span class="s1"> A*G </span>이며<span class="s1"> </span>저에게<span class="s1"> </span>보험사<span class="s1"> </span>대표번호를<span class="s1"> </span>알려주고<span class="s1"> </span>관리업체명을<span class="s1"> </span>말하고<span class="s1"> </span>계약사항을<span class="s1"> </span>알아보라고<span class="s1"> </span>답변을<span class="s1"> </span>받았고<span class="s1">,</span></p> <p class="p2"><br></p> <p class="p1">저는<span class="s1"> </span>답변을<span class="s1"> </span>받은<span class="s1"> </span>즉시<span class="s1">, </span>계약의<span class="s1"> </span>주체는<span class="s1"> </span>관리업체와<span class="s1"> </span>보험사이며<span class="s1"> </span>나는<span class="s1"> </span>관리업체에<span class="s1"> </span>내가<span class="s1"> </span>납부한<span class="s1"> </span>보험료에<span class="s1"> </span>대한<span class="s1"> </span>관련<span class="s1"> </span>서류를<span class="s1"> </span>요청하는<span class="s1"> </span>것이기<span class="s1"> </span>때문에<span class="s1"> </span>내가<span class="s1"> </span>알아볼<span class="s1"> </span>범위는<span class="s1"> </span>아니라고<span class="s1"> </span>판단한다고<span class="s1"> </span>답변<span class="s1"> </span>하였고<span class="s1">, </span>해당<span class="s1"> </span>서류를<span class="s1"> </span>복사하여<span class="s1"> </span>원본대조필<span class="s1"> </span>날인<span class="s1"> </span>후<span class="s1"> </span>등기로<span class="s1"> </span>보내줄<span class="s1"> </span>것을<span class="s1"> </span>요청한<span class="s1"> </span>상태임니다만<span class="s1">, </span>아직<span class="s1"> </span>그에<span class="s1"> </span>대한<span class="s1"> </span>답변을<span class="s1"> </span>받지<span class="s1"> </span>못하고<span class="s1"> </span>있는<span class="s1"> </span>상태입니다<span class="s1">.</span></p> <p class="p2"><br></p> <p class="p1">여기까지는<span class="s1"> </span>현재<span class="s1"> </span>화재<span class="s1"> </span>후<span class="s1"> </span>지금까지의<span class="s1"> </span>상황을<span class="s1"> </span>정리한<span class="s1"> </span>것이며<span class="s1"> </span>제가<span class="s1"> </span>문의드릴<span class="s1"> </span>것은</p> <p class="p2"><br></p> <ol class="ol1"><li class="li1">월<span class="s1"> 400</span>원의<span class="s1"> </span>화재보험료의<span class="s1"> </span>경우<span class="s1">, </span>금액<span class="s1"> </span>대비<span class="s1"> </span>보장범위가<span class="s1"> </span>공용부분에<span class="s1"> </span>한정되는<span class="s1"> </span>것이<span class="s1"> </span>일반적인지</li> <li class="li1">납부하고<span class="s1"> </span>있는<span class="s1"> </span>화재보험<span class="s1"> </span>관련<span class="s1"> </span>서류에<span class="s1"> </span>대한<span class="s1"> </span>열람<span class="s1"> </span>청구권이<span class="s1"> </span>저에게<span class="s1"> </span>있는지<span class="s1">, </span>있다면<span class="s1"> </span>그<span class="s1"> </span>근거와<span class="s1"> </span>관련<span class="s1"> </span>법규가<span class="s1"> </span>어떻게<span class="s1"> </span>되는지</li> <li class="li1"><span class="s1">2</span>번<span class="s1"> </span>항목에<span class="s1"> </span>이어<span class="s1"> </span>근거가<span class="s1"> </span>있어<span class="s1"> </span>관리회사에<span class="s1"> </span>열람을<span class="s1"> </span>요청했는데도<span class="s1"> </span>불구하고<span class="s1"> </span>관리업체에서<span class="s1"> </span>열람을<span class="s1"> </span>거부할<span class="s1"> </span>경우<span class="s1"> </span>어떤<span class="s1"> </span>방법으로<span class="s1"> </span>대처해야<span class="s1"> </span>하는지</li> <li class="li1">화재<span class="s1"> </span>후<span class="s1"> </span>인지한<span class="s1"> </span>내용입니다<span class="s1">. </span>이런<span class="s1"> </span>집합건물의<span class="s1"> </span>경우<span class="s1"> </span>각층마다<span class="s1"> </span>소화기를<span class="s1"> </span>비치해야<span class="s1"> </span>하고<span class="s1">, 20m </span>간격으로<span class="s1"> </span>반복해서<span class="s1"> </span>소화기를<span class="s1"> </span>비치해야<span class="s1"> </span>하는<span class="s1"> </span>걸로<span class="s1"> </span>알고<span class="s1"> </span>있는데<span class="s1">, 13</span>층에서<span class="s1"> 6</span>층으로<span class="s1"> </span>내려가<span class="s1"> </span>소화기를<span class="s1"> </span>발견하고<span class="s1"> </span>그<span class="s1"> </span>소화기로<span class="s1"> </span>화재를<span class="s1"> </span>진압하였는데<span class="s1">, </span>관리업체의<span class="s1"> </span>방화관리<span class="s1"> </span>부실에<span class="s1"> </span>대한<span class="s1"> </span>부분에<span class="s1"> </span>있어<span class="s1"> </span>제가<span class="s1"> </span>이용할<span class="s1"> </span>만한<span class="s1"> </span>사유가<span class="s1"> </span>될지<span class="s1">. </span>전해들은<span class="s1"> </span>바로는<span class="s1"> </span>소화기를<span class="s1"> </span>비치하였으나<span class="s1"> </span>관리의<span class="s1"> </span>어려움과<span class="s1"> </span>도난<span class="s1"> </span>발생등의<span class="s1"> </span>이유로<span class="s1"> </span>관리업체에서<span class="s1"> </span>그대로<span class="s1"> </span>방치하여<span class="s1"> </span>소화기가<span class="s1"> </span>비치된<span class="s1"> </span>층도<span class="s1"> </span>있고<span class="s1">, </span>소화기가<span class="s1"> </span>없는<span class="s1"> </span>층도<span class="s1"> </span>있는<span class="s1"> </span>상태이며<span class="s1">, 13</span>층에는<span class="s1"> </span>소화기가<span class="s1"> </span>없었습니다<span class="s1">.</span></li> <li class="li1">현재<span class="s1"> </span>집에는<span class="s1"> </span>스프링쿨러가<span class="s1"> </span>장치되어<span class="s1"> </span>있는데<span class="s1">, </span>화재시<span class="s1"> </span>해당<span class="s1"> </span>스프링쿨러는<span class="s1"> </span>작동을<span class="s1"> </span>하지<span class="s1"> </span>않았습니다<span class="s1">. </span>불론<span class="s1"> </span>화재의<span class="s1"> </span>규모나<span class="s1"> </span>불이<span class="s1"> </span>붙은<span class="s1"> </span>위치에<span class="s1"> </span>따라<span class="s1"> </span>작동을<span class="s1"> </span>안할<span class="s1"> </span>수는<span class="s1"> </span>있을<span class="s1"> </span>수<span class="s1"> </span>있다고<span class="s1"> </span>생각하지만<span class="s1"> </span>해당<span class="s1"> </span>부분에<span class="s1"> </span>대해<span class="s1"> </span>관리업체의<span class="s1"> </span>방화관리<span class="s1"> </span>부실의<span class="s1"> </span>책임을<span class="s1"> </span>물을<span class="s1"> </span>수<span class="s1"> </span>있을지 <span style="font-size:9pt;line-height:1.5;">입니다</span><span class="s1" style="font-size:9pt;line-height:1.5;">.</span></li></ol><p class="p2"><br></p> <p class="p2">아무쪽록 법게분들의 고견을 여쭙니다.</p> <p class="p2"><br></p> <p class="p2">긴글 읽어주셔서 감사드립니다.</p>