This property has a documented history as a gasoline service station going back to 1984. 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 originated from underground storage tanks installed and operated beginning in 1984, when occurrence-based Commercial General Liability policies were still the industry standard and carried no effective pollution exclusion in Washington. More than three decades of documented remediation expenditures — tank removals, large-scale soil excavation, vapor extraction, air sparging, chemical injection campaigns, and continuous groundwater monitoring — were incurred to address releases tied to those pre-1986 operations. The historical carriers who issued CGL policies during that window may be obligated both to recover past cleanup costs 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.