This property has a documented history as a gasoline service station going back to 1966. Historical insurance policies issued during those prior operations and through 1986 could recover the cleanup costs already paid.
This Lopez Island property operated as a gasoline service station with three underground storage tanks dispensing fuel to the public. The USTs were removed in 1991, along with the overexcavation of approximately 20 cubic yards of petroleum-contaminated soil and collection of confirmation samples. The cleanup project, conducted under the Standard Cleanup program from 1991 through 2012, concluded with a No Further Action determination; groundwater was not assessed as part of the remediation. 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 underground storage tanks at this site were installed decades before 1986, during the era when occurrence-based Commercial General Liability policies carried no effective pollution exclusion in Washington. Documented remediation expenditures — tank removal, contaminated soil excavation, confirmation sampling, and a project timeline spanning over two decades — were incurred to address petroleum releases tied directly to those pre-1986 fueling operations. Historical carriers who issued CGL policies during the period these tanks were in service 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.