MEMORANDUM AND ORDER Plaintiff Eleonora Ciobanu sued her insurer, State Farm Fire and Casualty Company (“State Farm”), in December 2020. She seeks compensation for damage to her home caused in January 2018 by a burst pipe. Ms. Ciobanu’s insurance policy provides that any lawsuit against State Farm must be brought within two years of the event causing loss or damage. Because Ms. Ciobanu brought suit after that window had closed, her claims for breach of contract, breach of the covenant of good faith, and consequential losses are time-barred. Ms. Ciobanu has also failed to adequately plead any other claim. Accordingly, as explained below, her complaint is dismissed. BACKGROUND The following facts come from the complaint and the insurance policy “integral” to it. Mears v. Allstate Indem. Co., 336 F. Supp. 3d 141, 147 (E.D.N.Y. 2018). The allegations in the complaint are “accept[ed] as true” on a motion to dismiss. Hamilton v. Westchester Cnty., 3 F.4th 86, 90 (2d Cir. 2021) (quoting Dane v. UnitedHealthcare Ins. Co., 974 F.3d 183, 188 (2d Cir. 2020)). Ms. Ciobanu owns a home in Forest Hills, New York. Compl. 4, Def.’s Ex. A (Dkt. #1-2) (“Compl.” or “complaint”). On January 8, 2018, a pipe burst at the home, causing “a near total or total loss to the dwelling and all personal property.” Id. 7. To protect her property, Ms. Ciobanu had purchased an insurance policy from State Farm. Id. 5. The policy provides $2,816,930 in coverage. Id. 6. It also stipulates that “[n]o action shall be brought unless there has been compliance with the policy provisions and the action is started within two years after the occurrence causing loss or damage.” Homeowners Policy 37, Decl. of Brian L. Bank Ex. B (Dkt. #10-2) (“Policy”). When the pipe burst, Ms. Ciobanu gave State Farm timely notice and proof of the loss. Compl. 9. She also alleges that she cooperated fully with State Farm’s investigation and complied with the policy’s provisions. Id. 10. Even so, State Farm has only paid $595,147.50 to date and refuses to pay more. Id.
6, 11, 14. Because Ms. Ciobanu asserts that her losses exceed the amount that State Farm has paid, Ms. Ciobanu sued. In her complaint, Ms. Ciobanu brings “causes of action” for (i) breach of contract, id. at
