This property has a documented history as a gasoline service station going back to 1969. Historical insurance policies issued during operations at this property and through 1986 could fund a cleanup — and recover costs already spent.

Why Historical Insurance Policies May Be Accessible

Pre-1986 Commercial General Liability (CGL) policies were occurrence-based and did not contain an effective pollution exclusion in Washington. If contamination occurred while those policies were active, those historical insurance carriers may still have a legal obligation to fund the cleanup costs, even if the business closed or the property changed hands.

Petroleum contamination at this site — including lead indicative of historical leaded gasoline use — traces to underground storage tank operations that began decades before 1986, when occurrence-based Commercial General Liability policies were the industry standard and carried no effective pollution exclusion. The documented remediation expenditures here are substantial: large-scale tank removal, thousands of cubic yards of soil excavation and off-site disposal, groundwater recovery, bioremediation, and years of monitoring. Historical carriers who issued CGL policies during the pre-1986 operational window may be obligated both to recover those past cleanup costs and to fund remediation that remains ahead.

Restorical's role is to locate viable historical policies, determine whether a successful coverage claim is possible, and assist our clients and their legal counsel to obtain insurance coverage. Restorical then manages the claim, including accounting, to ensure the cleanup is funded in a timely manner.