" See Maxwell Bros. v. Liverpool c. Ins. Co., 12 Ga. App. 127 ( 76 S.E. 1036); Gibraltar Fire c. Ins. Co. v. Lanier, 64 Ga. App. 269 ( 13 S.E.2d 27). 2. "It is well settled that a contractual provision in a policy of insurance that `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 next after inception of the loss' is a valid contractual provision and is reasonable. Melson v. Phenix Ins. Co., 97 Ga. 722 ( 25 S.E. 189); Brooks v. Georgia Home Ins. Co., 99 Ga. 116 ( 24 S.E. 869); Whiddon v. National Union Fire Ins. Co., 61 Ga. App. 434 ( 6 S.E.2d 362); Woodall v. Hartford Fire Ins. Co., 33 Ga. App. 694 ( 128 S.E. 69); Gibraltar Fire c. Ins. Co. v. Lanier, 64 Ga. App. 269 ( 13 S.E.2d 27); Graham v. Niagara Fire Ins. Co., 106 Ga. 840 ( 32 S.E. 579); Underwriters' Agency v. Sutherlin, 55 Ga. 266; Maxwell Brothers v. Liverpool c. Ins. Co., 12 Ga. App. 127 ( 76 S.E. 1036). And in the absence of facts to show a waiver by or estoppel against the insurer, the provision is binding upon the insured, and the insurer is entitled to rely upon it. Metropolitan Life Ins. Co. v. Caudle, 122 Ga. 608 ( 50 S.E. 337); Gallivitoch v. Provident Life c. Ins. Co., 26 Ga. App. 385 ( 106 S.E. 319). Cf. American Ins. Co. v. McVickers Bros., 135 Ga. 118 ( 68 S.E. 1026), and Underwriters' Agency v. Sutherlin, 55 Ga. 266, supra.
FRANKUM, Judge. It is well settled that a contractual provision in a policy of insurance that "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 next after inception of the loss" is a valid contractual provision and is reasonable. Melson v.Phenix Ins. Co., 97 Ga. 722 ( 25 S.E. 189); Brooks v. Georgia Home Ins. Co., 99 Ga. 116 ( 24 S.E. 869); Whiddon v. National Union Fire Ins. Co., 61 Ga. App. 434 ( 6 S.E.2d 362); Woodall v. Hartford Fire Ins. Co., 33 Ga. App. 694 ( 128 S.E. 69); Gibraltar Fire c. Ins. Co. v. Lanier, 64 Ga. App. 269 ( 13 S.E.2d 27); Graham v. Niagara Fire Ins. Co., 106 Ga. 840 ( 32 S.E. 579); Underwriters' Agency v. Sutherlin, 55 Ga. 266; Maxwell Bros. v. Liverpool c. Ins. Co., 12 Ga. App. 127 ( 76 S.E. 1036). And in the absence of facts to show a waiver by or estoppel against the insurer, the provision is binding upon the insured, and the insurer is entitled to rely upon it. Metropolitan Life Ins. v. Caudle, 122 Ga. 608 ( 50 S.E. 337); Gallivitoch v. Provident Life c. Ins. Co., 26 Ga. App. 385 ( 106 S.E. 319). Cf. American Ins. Co. v. McVickers Bros., 135 Ga. 118 ( 68 S.E. 1026), and Underwriters' Agency v. Sutherlin, 55 Ga. 266, supra.
And this is true regardless of whether or not the suit is a renewal of a former action which has been nonsuited or dismissed. It was ruled in Melson v. Phenix Ins. Co. of Brooklyn, 97 Ga. 722 ( 25 S.E. 189): "It being stipulated in a policy of insurance that no action thereon should be sustainable against the insurance company unless commenced within twelve months next after a loss should occur, an action brought after the lapse of that period was barred, although it purported on its face to have been a renewal of a previous action which was instituted within the time limited, and to have been brought within six months after the granting of a nonsuit in the first action." For holdings to the same effect, see Brooks v. Georgia Home Ins. Co., 99 Ga. 116 ( 24 S.E. 869); McDaniel v. German American Ins. Co., 134 Ga. 189(1) (67 S.E. 668); Whiddon v. National Union Fire Ins. Co., 61 Ga. App. 434(2) (6 S.E.2d 362). 2.