This property has a documented history as a gasoline service station going back to 1963. Historical insurance policies issued during those prior operations and through 1986 could recover the cleanup costs already paid.
This property operated as Mary's Mini Mart, a convenience store with fuel dispensing, with two underground storage tanks — a 6,000-gallon unleaded gasoline UST and a 10,000-gallon regular gasoline UST — installed in 1963 and in service until early 1994. Under the Voluntary Cleanup Program, both tanks were removed in June 1995, followed by excavation of approximately 40 cubic yards of petroleum-contaminated soil in September 1996 with on-site bioremediation of the stockpiled material. The remediation and review process concluded in 2000 with a No Further Action determination. That history could support an insurance cost recovery claim against carriers who issued insurance policies 40+ years ago.
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 originated from underground storage tanks installed in 1963 and operated for over three decades — more than two decades before 1986, when occurrence-based Commercial General Liability policies still carried no effective pollution exclusion in Washington. The documented remediation costs — tank removal, soil excavation, bioremediation, and years of regulatory oversight through the Voluntary Cleanup Program — were incurred to address releases tied directly to those pre-1986 operations. Historical carriers who issued CGL policies during the 1963-to-1986 operational window may still be obligated to recover those cleanup expenditures.
Restorical's role is to locate viable historical policies, determine whether a successful cost recovery claim is possible, and assist our clients and their legal counsel to obtain insurance coverage for costs already incurred. Restorical's forensic accounting team works to re-establish and document past cleanup expenditures, ensuring the strongest possible basis for recovery.
Recovering Costs from an Older Cleanup
If this site reached No Further Action years ago, the original cleanup expenditures may be difficult to reconstruct. Restorical's forensic accounting team specializes in re-establishing and documenting past cleanup costs — even decades later — to build the strongest possible basis for an insurance recovery claim.
What We Look For
- Historical insurance policies (pre-1986)
- Policy numbers, carrier names, and coverage periods
- Connection between contamination timing and policy period
- Evidence linking cleanup obligation to insured activity
What We Deliver
- Historical Coverage Chart
- Trigger Analysis & Property/Policy Nexus
- Coverage strategy with recommendations
- Insurance funding for your remediation
- Claims Management & Forensic Accounting
The Restorical Proven Process
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Contact UsThis analysis is preliminary and based on publicly available records. Restorical Research is not a law firm and does not provide legal advice.