Dodger bought an insurance contract from Liberty Farm Co. The policy contained a clause stating that all claims for losses had t
o be reported within 45 days after the date of the loss or the claim would be barred. Time is stated to be of the essence. Dodger sustained a covered farm loss, but did not report it to Liberty Farm until 50 days later. Liberty Farm denied coverage for the claim. If Dodger sues, who wins?