This industrial property operated as a junkyard and wrecking yard beginning in 1962, with an adjacent service station active from 1968 to 1986. Decades of operations produced extensive multi-media contamination — groundwater testing has confirmed benzene, arsenic, lead, and diesel-range organics, while sediment samples reveal metals, polycyclic aromatic hydrocarbons (PAHs), and polychlorinated biphenyls (PCBs). An EPA Site Investigation in 2009 confirmed that the contamination has impacted surface water and surrounding wetlands, and EPA referred the site to Oregon DEQ in 2010 recommending additional long-term work. The site was placed on Oregon's Confirmed Release List in 2012 and remains unassigned with no remediation completed and no No Further Action determination issued. That history could support an insurance coverage claim against the carriers who issued policies more than 40 years ago — coverage that could help fund the cleanup ahead.
Pre-1986 Commercial General Liability (CGL) policies were occurrence-based and did not contain an effective pollution exclusion in Oregon — and those policies may provide coverage that remains enforceable today. 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.
The contamination at this property — petroleum constituents, heavy metals, PCBs, and PAHs across soil, groundwater, sediment, and surface water — originated from junkyard and service station operations that began in 1962, well before 1986. With no remediation yet undertaken despite confirmed multi-media contamination and an EPA referral to Oregon DEQ recommending long-term cleanup, the investigation, remediation, and long-term monitoring costs this property still faces are future obligations that historical pre-1986 carriers may be obligated to fund.
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.
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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.