The effective date normally means the initial or policy effective date in a reinstatement date of policy document. It can not mean reinstatement date solely. Technically it is not starting effective.
Technically, the policy lapsed. If a covered loss occurred before reinstatement, the insurer would arguably be justified in denying coverage. However, if the reinstatement was retroactive to the lapse date (which would probably occur if the reinstatement occurred quickly), and if you have been with the insured for some time, coverage may be extended to the intervening loss.
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