
    ROBINSON’S HOME OUTFITTING COMPANY v. GLOBE INDEMNITY COMPANY
    Insurance — Fire Insurance — Limitation of Action — “Question of Loss”.
    Fire insurance policy’s requirement that an action against the insurer must be commenced within 12 months after the inception of the loss means that the limitation period runs from the date on which the damage occurred, not from the date on which defendant denied liability.
    Reference for Points in Headnote
    43 Am Jur 2d, Insurance § 1910.
    Appeal from Ingham, Sam Street Hughes, J.
    Submitted Division 2 December 15, 1970, at Lansing.
    (Docket No. 7968.)
    Decided February 23, 1971.
    Complaint by Robinson’s Home Outfitting Company against Globe Indemnity Company and other insurance companies for breach of contracts. Defendants’ motion for summary judgment denied. Defendants appeal.
    Reversed and remanded with instructions to grant defendants’ motion.
    
      Anderson, Carr $ Street, for plaintiff.
    
      Carl L. Beagh, for defendants.
    Before: Bronson, P. J., and R. B. Burns and Hoff, JJ.
    
      
       Circuit judge, sitting on the' Court of Appeals by assignment.
    
   Per Curiam.

The plaintiff’s building and its contents were damaged on January 22, 1967. Defendant insurance companies denied liability under the policies on March 21, 1967. On March 1, 1968, the plaintiff instituted this action. The defendants moved for summary judgment under GCR 1963, 117.2(1), and the motion was denied. They now appeal on leave granted.

Defendants contend that the plaintiff has not stated a claim upon which relief can be granted because the suit was commenced more than 12 months after the inception of the loss. In accordance with MOLA §§500.2806, 500.2832 (Stat Ann 1957 Rev §§ 24.12806, 24.12832), the policies contained the following clause:

“No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity unless all the requirements of this policy shall have been complied with, and unless commenced within twelve months nest after inception of the loss.”

This limitation period runs from the date on which the damage occurred, not from the date on which defendants denied liability. Lentz v. Teutonia Fire Insurance Co. (1893), 96 Mich 445; Barry & Finan Lumber Co. v. Citizens’ Insurance Co. (1904), 136 Mich 42; Dahrooge v. Rochester German Insurance Co. (1913), 177 Mich 442. Cf. Guastello v. Citizens Mutual Insurance Company (1968), 11 Mich App 120.

The order of the trial court is reversed and the cause is remanded with instructions to grant the defendants’ motion for summary judgment.

Costs to appellants.  