This property has a documented history as a gasoline service station going back to 1926. Historical insurance policies issued during those prior operations and through 1986 could recover the cleanup costs already paid.
This property operated as an ARCO gasoline service station from 1926 through 1991, with four underground storage tanks — including two 4,000-gallon unleaded-regular gasoline USTs, one 6,000-gallon compartmentalized gasoline UST, and a waste oil UST. Remediation under the Voluntary Cleanup Program began with the removal of all four USTs and approximately 250 cubic yards of contaminated soil in 1991, followed by on-site aeration and reuse as fill. A second excavation in 2016 removed an additional 244 tons of petroleum-contaminated soil for off-site disposal, and the site has since received a No Further Action determination. 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.
Petroleum contamination at this property originated from underground storage tanks installed as early as 1951 and operated continuously for decades before 1986, when occurrence-based Commercial General Liability policies were the industry standard and carried no effective pollution exclusion. Twenty-five years of documented remediation expenditures — tank removals, soil excavation, aeration, and off-site disposal across two major cleanup phases — were incurred to address releases tied directly to those pre-1986 fueling operations. Historical carriers who issued CGL policies during the station's long operational window 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.
