This property has a documented history as a public works and maintenance facility predating 1986. Historical insurance policies issued during those prior operations and through 1986 could recover the cleanup costs already paid.

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 diesel contamination at this property originated from an underground storage tank that was in service well before 1986, during the era when occurrence-based Commercial General Liability policies carried no effective pollution exclusion. The documented remediation costs — tank removal, soil excavation, and groundwater recovery — were incurred to address a release tied to those pre-1986 fueling operations. Historical carriers who issued CGL policies covering the facility during that 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.