This property has a documented history as a gasoline service station going back to 1920. Historical insurance policies issued during operations at this property 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 site originated from underground storage tanks installed decades before 1986 — some as early as the 1920s — when occurrence-based Commercial General Liability policies carried no effective pollution exclusion in Washington. Over thirty years of documented remediation expenditures — tank removals, large-scale soil excavation, groundwater extraction and treatment, bioremediation, and ongoing quarterly monitoring — represent costs tied directly to releases from those pre-1986 operations. Historical carriers who issued CGL policies during the decades this station dispensed fuel may still be obligated to recover past cleanup costs and to fund the remediation work that continues today.

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.