This former lumber mill property operated as Modoc Lumber from approximately 1947 to 1994, nearly five decades of industrial use that left hazardous substances in both soil and groundwater. Oregon DEQ approved a Contaminated Media Management Plan in February 2019 requiring notification to DEQ before any disturbance of contaminated soil or groundwater, and a Notice of Environmental Contamination has been recorded against the property. No No Further Action determination has been issued — contamination remains in place and must be actively managed during any subsurface work. 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 originated from lumber mill operations that ran from approximately 1947 through 1994, with nearly four decades of that industrial activity predating 1986. The ongoing management obligations under the Contaminated Media Management Plan — and the investigation and remediation work that may yet be required to reach site closure — represent future costs 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.