This property has a documented history as a gasoline service station going back to 1982. 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 and operated beginning in 1982 — four years before occurrence-based Commercial General Liability policies gave way to claims-made forms with absolute pollution exclusions. The documented remediation expenditures — tank removals, large-scale soil excavation, tens of thousands of gallons of groundwater recovery, active treatment systems, and years of monitoring — are tied directly to releases from those pre-1986 fueling operations. With cleanup still underway, historical carriers who issued CGL policies during the 1982–1986 window may be obligated both to reimburse past costs and to fund the remediation work that remains.

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.