This property has a documented history as a property with a heating oil tank going back to 1944. Historical insurance policies issued during those prior operations and through 1986 could fund a cleanup.

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.

The structure at this site was built in 1944 and operated with a heating oil system for decades, placing its operational history squarely within the pre-1986 era when occurrence-based Commercial General Liability policies were standard and carried no effective pollution exclusion. With cleanup costs still ahead — investigation, remediation design, and petroleum and surface-water contamination yet to be addressed — historical CGL policies issued during the property's four decades of pre-1986 operation may be available to fund those upcoming remediation expenditures.

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.