Dr$.$ Cash, a general surgeon purchased his first claims$-$made policy on $7/1/96$ from XYZ insurance company. The policy will cover those claims that are incurred and reported from $7/1/96$ to $6/30/97.$ Since this is the first claims$-$made policy the physician has purchased, the retroactive date $($retro date$)$ is the same as the policy inception date, $7/1/96.$ Dr$.$ Cash remained with the same insurer for a $3$ year period and each of his renewal policies carried the original retro date of $7/1/96.$ Unknown to Dr$.$ Cash, an incident that ultimately results in a claim occurred on $8/1/96(1$st claims$-$made policy year$)$ but was not recognized as a potential claim until suit was filed on $9/1/06,$ ten years later.

How would you determine what policy should respond and if coverage is even available?