Bulk Plant cleanup site — Restorical Research
D St Petroleum
3rd-7th & D St, Tacoma, Pierce County
Restorical Research
Preliminary Site-Specific Analysis

This property has a documented history as a bulk fuel distribution terminal predating 1986. Historical insurance policies issued during operations at this property and through 1986 could fund a cleanup — and recover costs already spent.

The D Street Petroleum site in Tacoma has operated as a bulk petroleum storage and distribution facility serving major oil companies — Mobil, British Petroleum, Unocal/76 Products, and Tosco among its historical operators, with Phillips 66 currently active on the property. Cleanup activities formalized under a Consent Decree, with site-specific cleanup levels established in 1991, have included groundwater recovery and treatment, Soil Vapor Extraction, and an engineered treatment building; the active remedial system was decommissioned in 2006. The site now operates under a monitored natural attenuation program with ongoing groundwater monitoring and purge water disposal. That history could support an insurance cost recovery claim against carriers who issued insurance policies 40+ years ago.

Former Use
Former Bulk Plant
Address3rd-7th & D St, Tacoma, Pierce County
Historical UseBulk Plant
Est. Operating SincePre-1986
StatusConstruction Complete — Performance Monitoring
Contamination & Investigation
Site Assessment Summary
ContaminantsPetroleum hydrocarbons from bulk storage and distribution detected in groundwater and soil vapor
Media ImpactedSoil, Groundwater, Surface Water
Regulatory ProgramMTCA — Standard Cleanup
Ecology Site #3048

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.

Bulk petroleum storage and distribution at this property involved multiple successive operators across decades of pre-1986 activity — each of whom would have carried occurrence-based Commercial General Liability policies at a time when those policies had no effective pollution exclusion. The Consent Decree and cleanup levels documented as early as 1991 confirm that the contamination originates from operational releases tied to that pre-1986 window. With Mobil, BP, Unocal/76 Products, and Tosco all appearing in the chain of operators, this site presents an unusually broad field of historical carriers whose policies may remain obligated to fund the long-running remediation costs.

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.

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

Task 1 — Research and Analysis
Restorical searches for viable historical insurance policies, researches the site history, analyzes the contamination impacts, and underwrites potential coverage — including a proprietary trigger analysis. At the end of Task 1, we provide a clear yes or no on whether a successful cost recovery is possible, along with a strategy and recommendation specific to your situation, even if you are not the policyholder.
Task 2 — Coverage and Funding
When Task 1 confirms viable coverage, Restorical works with your legal counsel to tender the claim, negotiate and secure insurance coverage. Restorical will manage the ongoing claim process, including accounting to ensure the insurance companies are funding your remediation in a timely manner.

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This analysis is preliminary and based on publicly available records. Restorical Research is not a law firm and does not provide legal advice.