The decisions of this Court are to the effect that the contractual limitation of twelve months in which to bring suit, inserted in a fire insurance policy by virtue of C. S., 6437, is valid and binding. Holly v. London Assurance Co., 170 N. C., 4, 86 S. E., 694; Tatham v. Insurance Co., 181 N. C., 434, 107 S. E., 450.

The cause of action is laid upon the policy, and it is manifest that the suit cannot be maintained.

Affirmed.