TRACK DOWN LOST INSURANCE POLICIES
Insurance Archaeology for Environmental Property Cleanup
Over the past 20+ years, Restorical has been conducting a meticulous audit of the insurance industry, including each individual insurance carrier. Restorical leverages this real-world experience and our proprietary database to the advantage of our policyholder and property owner clients.
Find Your Policy
HOW WE HELP
What is Insurance Archeology?
As insurance archeologists, we specialize in transforming old and often overlooked insurance policies into financial assets for our clients to cover the cost of unanticipated environmental liabilities. What makes Restorical different is our policyholder-focused approach. We work exclusively with policyholders—not insurance carriers – who discover environmental contamination on their property by uncovering historical insurance policies to fund the necessary cleanup.
After uncovering these “hidden assets,” we’ll help you devise strategies, collaborate with your legal and environmental consultants, manage your claim, and support the project to its conclusion, be it a cleanup, settlement, or redevelopment.
Our Clients
What our clients say
Testimonials
Testimonial
“Working with Restorical last year turned out to be an extremely rewarding and satisfying experience. Even though we were advised by our attorneys that our insurance coverage would not qualify for our contamination liability, Restorical was able to find the policy evidence to support a claim that led to a substantial settlement with the insurance company.”
— Stanley L. Sidell, President NA Properties, Inc.
— Stanley L. Sidell, President NA Properties, Inc.
Testimonial
“Working with Restorical was an all-around great experience. Their team understood exactly what needed to be done and executed accordingly. They truly went above and beyond to recover our lost insurance policies. I would recommend Restorical to anyone who needs assistance in locating proof of policies. They will work hard and treat you fairly, which is what every business owner deserves.”
— Don Loeb, President, ADCO Properties, Inc.
— Don Loeb, President, ADCO Properties, Inc.
Testimonial
“Restorical Research helped us recover a significant amount of money under old insurance policies for environmental investigation and remediation. Their historical research went beyond our expectations. Moreover their discovery and understanding of the language in applicable historical policies was quiet impressive. Without hesitation I would recommend Restorical to property owners seeking insurance coverage for environmental cleanups.”
— Karin Nyrop, Former Director of Claims, UW
— Karin Nyrop, Former Director of Claims, UW
Testimonial
“After exhaustive searching without any luck, we hired Restorical Research to look for lost insurance policies that were issued in the 1970s. They not only located proof of polices, but assisted in filing a claim, and recovering past and ongoing environmental clean-up costs for us.”
— Kevin Callan, Secretary & Treasurer, Blaser Die Casting and Scougal Rubber Corporation
— Kevin Callan, Secretary & Treasurer, Blaser Die Casting and Scougal Rubber Corporation
Testimonial
“At first I was skeptical but after working with Ben and crew I was pleasantly pleased. They found an old policy that helped out greatly. I would recommend Restorical Research to anyone with a clean up problem. They were great and reasonable.”
— Russ Bryant, President, Bryant Motors, Inc.
— Russ Bryant, President, Bryant Motors, Inc.
Testimonial
“Ben was insightful, focused and helpful. and 100% correct.”
— Gabe Levin, President, SEBCO, Inc.
— Gabe Levin, President, SEBCO, Inc.
Testimonial
“We had been working for years trying to find solutions to our issues in an old yard. No one was able to help us. Fortunately, we’re introduced to Restorical Research and they were able to find solutions and experts that helped in every step of the way. I wouldn’t hesitate for a minute to recommend their service to anyone.”
— Leonard Berman, President, Everett Steel
— Leonard Berman, President, Everett Steel
Testimonial
“Ongoing tenacity that produced great results beyond our expectations.”
— Miles Richardson, General Manager, University Audi
— Miles Richardson, General Manager, University Audi
Testimonial
“They identified an insurance policy that we would not have otherwise found that helped cover a claim.”
— Bill Hazelett, Owner, Hazelett Chevrolet
— Bill Hazelett, Owner, Hazelett Chevrolet
Testimonial
“Communication was awesome. They made this process very easy. They did exactly what they said they would do.”
— Steve Schneiderman, Owner, Marshfield Bargain House
— Steve Schneiderman, Owner, Marshfield Bargain House
Testimonial
“Restorical delivered everything promised in a timely manner. Their team was professional and pleasant to work with throughout the process.”
— Jeffrey Richards PE, PMP, Director of Facilities & Maintenance, Horizon Credit Union
— Jeffrey Richards PE, PMP, Director of Facilities & Maintenance, Horizon Credit Union
Testimonial
“Great project, huge savings!”
— Virgil Roehl, CFO, Twin City Foods
— Virgil Roehl, CFO, Twin City Foods
Testimonial
“Restorical Research helped us recover a significant amount of money under old insurance policies for environmental investigation and remediation. Their historical research went beyond our expectations. Moreover, their discovery and understanding of the language in applicable historical policies were quite impressive. Without hesitation, I would recommend Restorical to property owners seeking insurance coverage for environmental cleanups.”
— Karin Nyrop, former Director of Claims
— Karin Nyrop, former Director of Claims
Testimonial
“After exhaustive searching without any luck, we hired Restorical Research to look for lost insurance policies that were issued in the 1970s. They not only located proof of policies but assisted in filing a claim and recovering past and ongoing environmental clean-up costs for us.”
— Kevin Callan, Secretary and Treasurer Scougal Rubber Corporation
— Kevin Callan, Secretary and Treasurer Scougal Rubber Corporation
Testimonial
“Working with Restorical was an all-around great experience. Their team understood exactly what needed to be done and executed accordingly. They truly went above and beyond to recover our lost insurance policies. I would recommend Restorical to anyone who needs assistance in locating proof of policies. They will work hard and treat you fairly, which is what every business owner deserves.”
— Don Loeb, President
ADCO Properties, Inc.
— Don Loeb, President
ADCO Properties, Inc.
Testimonial
“We had been working for years trying to find solutions to our issues in an old yard. No one was able to help us. Fortunately, we were introduced to Restorical Research, and they were able to find solutions and experts that helped every step of the way. I wouldn’t hesitate for a minute to recommend their service to anyone.”
— Leonard Berman, President Everett Steel
— Leonard Berman, President Everett Steel
Testimonial
“Working with Restorical last year turned out to be an extremely rewarding and satisfying experience. Even though our attorneys advised us that our insurance coverage would not qualify for our contamination liability, Restorical was able to find the policy evidence to support a claim that led to a substantial settlement with the insurance company.”
— Stanley L. Sidell, President NA Properties Inc
— Stanley L. Sidell, President NA Properties Inc
Who We Work With
Our Clients
Gas Station
We offer a lifeline for gas station owners, operators, and developers facing environmental remediation.
Waterfront & Maritime
At Restorical Research, we’ve worked on hundreds of waterfront and maritime sites with histories that span back to the 1800s
Redevelopment
We facilitate sustainable and economically viable redevelopment projects facing environmental cleanup
Residential
Our team has assisted hundreds of residential homeowners in addressing and funding environmental concerns
Farming & Agriculture
Our team specializes in uncovering historical General Liability insurance policies to address present farming and agriculture contamination
Bulk Plant Facilities
We ensures the financial protection and operational continuity of historic bulk plant facilities.
Bus Barns
We uncover hidden assets so bus barn owners can address their facility’s environmental legacies.
How It Works
Our Proven Process
Our comprehensive, Proven Process is structured to uncover historical insurance policies and maximize their value to serve your needs. Throughout each phase of research and strategy to management and accounting, our work is conducted with complete transparency, aiming for a successful resolution—be it a buy/sell decision, remediation, or recovery.
While we specialize in obtaining coverage for environmental liabilities through a structured approach to historical policy analysis and the development of a strategic recovery plan, Restorical Research does not provide legal advice.
While we specialize in obtaining coverage for environmental liabilities through a structured approach to historical policy analysis and the development of a strategic recovery plan, Restorical Research does not provide legal advice.
Task 1
01
Intake Call & Onboarding
The Task 1 process begins with an intake call and onboarding, where we will introduce you to our Success Team and establish the key contacts and roles for your project to successfully identify historical insurance policies. Following intake and onboarding, we conduct an initial Trigger Analysis, which outlines key events, parties, and timelines that formulate the basis of recommendations and coverage strategy.
02
Research & Deliverables
During the Research and Deliverables stage, our archaeologists are developing and following insurance leads and assembling a chronological and detailed Site History. We search through attics, basements, water-damaged storage units, and sleuthing through our digital archives to assemble a comprehensive insurance coverage schedule. The results from this research inform and finalize the Trigger Analysis.
03
Findings & Recommendations
Once we’ve collected our findings, we will make the critical decision to determine if a good-faith claim can be tendered to historical insurance carriers and coverage may be obtained.
If affirmative, we proceed with our tailored approach and recommendations. Otherwise, we will suggest alternative strategies.
If our engagement extends beyond 120 days following the intake call, we waive the Task 1 fee for this phase of work.
If our engagement extends beyond 120 days following the intake call, we waive the Task 1 fee for this phase of work.
Task 2
04
Coverage
Task 2 kicks off with the Coverage stage, which lasts between two to four months, we introduce you to insurance coverage attorneys and onboard this integral member of the team. We share essential files with your attorney as they draft a written Coverage Opinion Letter for client approval. Consult and perfect the Coverage Strategy, and assist legal counsel as they tender the initial claim to the historical carrier(s).
The adage of ‘the squeaky wheel’ best describes our efforts.
The adage of ‘the squeaky wheel’ best describes our efforts.
05
Recovery & Tracking
With good evidence, persuasive arguments, dogged attention, and creative thinking, the carrier(s) will agree to coverage – without litigation. This is where we transition into the Recovery & Tracking stage as we establish protocols for the team that will streamline carrier approval and funding. Our forensic accounting team actively tracks and manages your claim. Our goal is to obtain funding for your cleanup and preservation of the schedule.
Periodic reviews ensure continued success.
Periodic reviews ensure continued success.
06
Completion & Client Review
The Task 2 process culminates with the Completion & Client Review stage, where we ensure that your goals have been achieved: Buy/Sell, Remediated, No Further Action, Recovery, etc.
We conduct a close-out call and perform an exit interview to confirm your satisfaction and obtain feedback on ways to continuously improve our services.
We conduct a close-out call and perform an exit interview to confirm your satisfaction and obtain feedback on ways to continuously improve our services.
Get started
Find Your Lost
Insurance Policies
We guide our clients through a comprehensive and structured process to uncover and utilize historical insurance policies to serve their needs. We have taken extraordinary care that this process is not a burden to your time, personnel or resources. Throughout each phase, we operate with complete transparency, aiming for a successful resolution—be it a buy/sell decision, remediation, or recovery.
Find Your PolicyWhat We Do
Our Services
At Restorical Research, each policyholder and property owner we serve faces unique circumstances based on their property’s history. With this in mind, we do not offer our services a la carte. Instead, we follow a proven process to create a personalized coverage strategy for each client, which may include any combination of the following services:
PFAS Cleanup
We help clients recover the cost of forever chemical cleanup by uncovering historical insurance policies
Vapor Intrusion Remediation & Mitigation
We are adept at navigating the intricacies of vapor intrusion and securing insurance coverage for our clients based on historical policies
Trigger Analysis
Save time and money with our proprietary Trigger Analysis process for developing a comprehensive coverage strategy.
Site History
We understand the importance of proving property ownership through public deeds and mortgage records to prove insurance provider responsibility
Environmental Review Services
Through thorough analysis of environmental reporting, we prove the onset and source of pollution happened long before you arrived.
Remediating Polluted Property
Environmental cleanup costs can be detrimental to your business but we can help you to secure the funding needed to complete these projects
Real Estate Advisory
Real estate advisory is an integral part of our service offering, provided no additional cost with significant added value.
Insurance Policy Reconstruction
We ensure that clients have evidence of coverage to present to insurance carrier to substantiate insurance claims.
