decade or so a lot of us fairly well developed at the the claims made record policies are different from their current policies in terms of notice because there is no prejudice rule that applies and reporting the quantum under insurance company during the policy period as the policies of all this policy you'll see just as soon as includes also a grace period and has a sixty day grace period that is sure to monitor news whereby they can still report claims during that sixty days if they nominate or if the carrier cancels and and usually there was some policies that didn't contain the sixty day or boarding when you had a renewal like we have here and the courts address those and against the charge it if i understand the question your honor if the e e o c charge had been reported to ace prior to april one of two thousand and sixteen  sixteen had the claim been reported to ace h would have stepped in and two to handle the climb out of the policy does have a duty to defend your honor but the policy also has a twenty five thousand charge what she feels resulted in a claim of retaliation and so there's there's clearly a causal connection and american was able to connect those dots upon receipt of the complaint is so refer filings and materials and really what it was looking for there your honor it was the date the complaint did not reference that date of the charge that are not believes they want to see the charges so but they also wanted to see what  the insured received and how they responded to verify that the insured school district actually did receive it there are cases where you know and he's charged notices are filed but the insured doesn't receive them for some period of defense and indemnity upon receipt of the e e o c materials that's been where the sort of the disconnect i guess occurred the my client never received those materials and and so the corn started proceeding with the assured defending it so within its twenty five thousand dollars that dr paul there wasn't then another request that chain for the e e o c materials on to november of one of the defense corps report was written by the defense counsel and had been notified finally right before the time that the twenty five one thousand dollars that finally been exhausted so then there was a mediation coming up and they requested the information again to verify coverage because they had not of these claims made policies i've seen require written notice does yours end up i just have the words of me d naked because does it require a written notice or just any kind  produce what i'm talking about and i believe it does your honor but i'm not able to put my hand up vision as to written notice i'm i do know here it's undisputed that we did receive the notice  along with the insurer representing itself for a period of several months the record that is before the court will reflect that even though counsel says it was directing the defense there was very very limited communication and when there was communication ace the d adjuster will simply would say are you guys looking at going to mediation or are you looking to try to resolve the case early that sort of thing and ultimately it's not until  october ups seventeen that said realize that the twenty five thousand dollars has been exhausted and they want to go to mediation early looking for contribution when he's had to again request information to satisfy that he wanted should receive the quine that those communications began again in november of two thousand and seventeen and it still took approximately two months for the insurer to finally get all the situation and whether there's going to be a single limit or and or a single single deductable ringback but to say that you could write out the language of the single one provision that says that being insured  provision only applied to limits and only applied to deductible some out so with that we think that back around disputed it the court d in every case that you look which cannot create coverage by by waiver coverage never existed a lesser any more questions now really reserve