This property has a documented history as a automobile dealership going back to 1960. Historical insurance policies issued during those prior operations 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 traces to underground storage tanks and servicing operations that began more than two decades before 1986, when occurrence-based Commercial General Liability policies routinely covered pollution claims without an effective exclusion. The documented remediation costs — UST removal, ongoing soil and groundwater investigation, and the engineered and institutional controls now under consideration — are tied directly to those pre-1986 operations. Historical carriers who issued CGL policies during the dealership's early decades of operation may be obligated both to recover past cleanup expenditures and to fund the remediation work still ahead.

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.