The plaintiff brought a motion for summary judgment seeking a declaration that the insurer wrongfully denied disability benefits under a mortgage insurance policy.
The central issue was whether the insurance coverage commenced when the borrower signed the loan offer or only when the mortgage was executed and the loan advanced.
Applying principles of contractual interpretation and reviewing the entire contractual scheme, the court held that coverage began on the later date when the mortgage was executed and the loan advanced.
Because the plaintiff became disabled before that date, she was not entitled to disability benefits under the policy.
The motion for summary judgment was dismissed.
