This property has a documented history as an industrial and manufacturing facility predating 1986. Historical insurance policies issued during those prior operations and through 1986 could help fund the multi-phase investigation and remediation work ahead under Wisconsin DNR oversight.

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 Wisconsin — 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.

Shipyard and industrial operations at this property were well established before 1986, with soil borings revealing extensive historical fill material — including brick, slag, wood timbers, and debris with creosote odor — along with confirmed PCB, PAH, and metals contamination consistent with decades of heavy industrial use predating that threshold year. The ongoing groundwater investigation, site remediation, and long-term monitoring required under the Wisconsin DNR Environmental Remediation Program represent future costs that pre-1986 carriers for the businesses that operated here 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.