This property has a documented history as a gasoline service station going back to 1968. Historical insurance policies issued during those prior operations and through 1986 could recover the cleanup costs already paid.

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.

Fueling operations at this property began in approximately 1968 — nearly two decades before the 1986 shift away from occurrence-based Commercial General Liability policies. Carriers who issued CGL policies to the facility's operators during that 1968–1986 window wrote coverage without an effective pollution exclusion, and the petroleum releases documented in the remedial investigation trace directly to those long-running fueling operations. The remediation costs incurred to address free product in groundwater and hydrocarbon contamination across the site represent expenditures that historical carriers may still be obligated to cover.

Restorical's role is to locate viable historical policies, determine whether a successful cost recovery claim is possible, and assist our clients and their legal counsel to obtain insurance coverage for costs already incurred. Restorical's forensic accounting team works to re-establish and document past cleanup expenditures, ensuring the strongest possible basis for recovery.