This property has a documented history as a gasoline service station going back to 1950. Historical insurance policies issued during those prior operations 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 property originated from fueling operations and underground storage tanks that were installed and operated for more than three decades before 1986, when occurrence-based Commercial General Liability policies carried no effective pollution exclusion. The remediation expenditures already incurred — large-scale soil excavation, tank removal, hazardous-waste disposal, and years of groundwater monitoring — along with the engineering controls and continued monitoring still required, represent costs that historical carriers who issued CGL policies during the 1950-through-mid-1980s operational window may be obligated both to reimburse and to fund going forward.

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.