Within three years an action –
(1) Upon a contract, obligation or liability arising out of a contract, express or
implied, except those mentioned in the preceding sections or in G.S. 1-53(1).
. . . .
(12) Upon a claim for loss covered by an insurance policy that is subject to the three-year limitation contained in G.S. 58-44-16. . . .
N.C. Gen. Stat. § 1-52(12).  (See our statute of limitation FAQ for more information)