This property has a documented history as a gasoline service station predating 1986. 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.

Gasoline-range hydrocarbon contamination at this property has been attributed directly to its historical use as a service station — operations that predate 1986 and the shift away from occurrence-based Commercial General Liability coverage. The documented remediation expenditures to date — tank removal, soil excavation, UST closure, and multi-year groundwater monitoring — along with the costs of continued cleanup represent obligations that historical CGL carriers who covered the property during its gasoline-station era may be required both to reimburse and to fund going forward.

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.