This property has a documented history as a gasoline service station predating 1986. Historical insurance policies issued during those prior operations and through 1986 could recover the cleanup costs already paid.
This property operated as an Exxon gasoline service station (Station 7-6105) with a history of petroleum dispensing that predates 1986. Releases of gasoline-, diesel-, and oil-range total petroleum hydrocarbons, benzene, toluene, ethylbenzene, xylenes, and lead were identified in the groundwater beneath the site. Independent remedial actions under the Voluntary Cleanup Program spanned from at least 1992 through 2002, including an air sparging feasibility test, enhancement of the remediation system, and ongoing groundwater monitoring and operation and maintenance. The site has received a No Further Action determination from Ecology. 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.
The presence of lead in the groundwater — a signature of leaded gasoline — places the contamination origin squarely in the era when occurrence-based Commercial General Liability policies were standard and carried no effective pollution exclusion in Washington. A decade of documented remediation expenditures, from air sparging and system enhancements to long-term groundwater monitoring, was incurred to address releases tied to those pre-1986 fueling operations. Historical carriers who covered the station during that operational window may still be obligated to recover those cleanup costs.
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.