Suntrust Mortgage, Inc. v. Georgia Farm Bureau Mutual Insurance

McMurray, Presiding Judge.

Georgia Farm Bureau Mutual Insurance Company (“Georgia Farm Bureau”) issued a homeowner’s insurance policy to William H. Brundage and Roberta L. Brundage covering a dwelling in Valdosta, Georgia. Suntrust Mortgage, Inc. (“Suntrust”) was the mortgagee-insured.

The policy provided: “Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.” It also provided: “Mortgage Clause. The word ‘mortgagee’ includes trustee. If a mortgagee is named in this policy, any loss…