Migliore

Appellant, Marie Migliore, appeals from a judgment in favor of respondent Mid-Century Insurance Company based on the statute of limitations. We conclude the trial court did not err and we affirm.

Statement of Facts

At the time of the Northridge earthquake, January 17, 1994, appellant was employed by her father’s business, a Farmer’s Insurance agency doing business as Migliore Insurance Agency. Appellant was head of the automobile insurance department. Appellant’s residence was insured through a Farmer’s entity, Fire Insurance Exchange, but she had no earthquake coverage.

Despite the fact appellant had no earthquake coverage, on January 25, 1994, she filed a claim with Fire Insurance Exchange for damage to her residence resulting from the Northridge earthquake. Vic Miller, an independent adjuster employed by CEFCO National Claims, inspected her home and concluded that it had “little or no damage” to it. Appellant’s claim was denied on March 9 on the basis she had no earthquake coverage.

Appellant also had her home inspected by an independent appraiser, Vincent Natoli, in connection with refinancing, and by an agent of the Federal Emergency Management Agency. Each found…