If the mortgagor does not consent as provided for in section 3030, the mortgagee of any real estate may, at any time within 60 days after a loss, and the mortgagee of any personal property may at any time within 30 days after a loss, enforce the mortgagee's lien by a civil action against the mortgagor, and the insurer as the mortgagor's trustee, in which judgment may be rendered for what is found due from the insurer upon the policy, notwithstanding the time of payment of the whole sum secured by the mortgage has not arrived, and which action must be commenced and service made on the trustee within such 60 or 30 days.   [RR 2021, c. 1, Pt. B, §264 (COR).]