This property has a documented history as a gasoline service station going back to 1964. Historical insurance policies issued during those prior operations 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.

Petroleum contamination at this site traces directly to underground storage tanks installed in 1964 and operated for more than two decades before 1986, when occurrence-based Commercial General Liability policies carried no effective pollution exclusion in Washington. The documented cleanup expenditures — tank removals, soil excavation, and years of VCP-supervised remediation — were incurred to address releases from those pre-1986 operations. Historical carriers who issued CGL policies to the operator during that 1964–1986 window may still be obligated to recover past remediation costs and fund the remaining cleanup work.

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.